RBL Indian Oil Xtra

Product Overview

Eligibility Criteria

✔️ Applicant must be an Indian resident

✔️ Age: 21 to 65 years

✔️ Salaried or self-employed individual

✔️ Stable source of income

✔️ Good CIBIL score (750+ preferred)

✔️ Must satisfy RBL Bank's internal credit policy

Features and Benefits

✔️ Earn 15 Fuel Points per ₹100 spent at IndianOil fuel stations (maximum 2,000 Fuel Points per month)

✔️ Earn 2 Fuel Points per ₹100 spent on other retail purchases

✔️ 8.5% value back on fuel spends at IndianOil outlets (Fuel Points + surcharge waiver)

✔️ Welcome Benefit: 3,000 Fuel Points on making an eligible transaction of ₹500+ within 30 days and paying the joining fee

✔️ Quarterly Milestone Benefit: 1,000 Fuel Points on spending ₹75,000 in a calendar quarter

✔️ 1% Fuel Surcharge Waiver at IndianOil fuel stations (up to ₹200 per month)

✔️ 1 Fuel Point = ₹0.50 value when redeemed for fuel at IndianOil outlets

✔️ Available on RuPay and Mastercard variants

Fees & Charges

✔️ Joining Fee: ₹1,500 + GST

✔️ Annual Fee: ₹1,500 + GST

✔️ Annual Fee Waiver: On annual spends above ₹2.75 lakh

✔️ Finance Charges: Up to 3.99% per month (47.88% p.a.)

✔️ Fuel Surcharge Waiver: Up to ₹200 per month

✔️ Late Payment Charges: As per RBL Bank policy

Documents Required

✔️ PAN Card (Mandatory)

✔️ Aadhaar Card / Passport / Driving Licence

✔️ Address Proof

✔️ Income Proof (Salary Slip / ITR / Form 16)

✔️ Bank Statements (Last 3–6 Months)

✔️ Passport-size Photograph (if required)

FAQs

Q1. What is the fuel benefit on IndianOil RBL Bank XTRA Credit Card?
Ans. You get 15 Fuel Points per ₹100 spent at IndianOil fuel stations along with 1% fuel surcharge waiver, resulting in up to 8.5% value back.

Q2. What is the welcome benefit?
Ans. You receive 3,000 Fuel Points after fulfilling the welcome offer conditions.

Q3. Can the annual fee be waived?
Ans. Yes, the annual fee is waived on yearly spends above ₹2.75 lakh.

Q4. How can Fuel Points be redeemed?
Ans. Fuel Points can be converted into IndianOil XTRAREWARDS points and redeemed for fuel purchases at IndianOil fuel stations.

Q5. Who should apply for this card?
Ans. Users with high monthly fuel expenses who regularly refuel at IndianOil outlets.

Terms & Conditions

✔️ Fuel Points are subject to monthly earning caps and redemption rules.

✔️ Utility, insurance, education, wallet loading, government payments and certain other categories are excluded from rewards and milestone calculations.

✔️ Annual fee waiver is applicable only after achieving the spending threshold.

✔️ Approval is subject to RBL Bank's credit assessment and eligibility criteria.

✔️ Benefits, fees and reward structures may change as per bank guidelines.