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RBL BankIndianOil XTRA
Mastercard / RuPay

RBL Bank · Mastercard / RuPay

IndianOil XTRA

Joining ₹1,500 · Annual ₹1,500 · Waived on eligible annual spends of ₹2,75,000. The excluded categories do not count toward the threshold, and RBL applies the waiver only in years where the fee was actually billed

Fee break-even: ≈₹1,50,000/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Fuel Points · assumed 0.5 ₹/point. 1 Fuel Point = ₹0.50, redeemable as XTRA Rewards for fuel at IndianOil stations. The value exists only at the pump, there is no cashback route

Verified 13 Aug 2026
Forex markup3.5%
GolfNone
ConciergeNone
Fuel surcharge1% waived, capped at ₹200 a month
Domestic loungeNone
International loungeNone
EMI1.5% of the amount or ₹150, whichever is higher, on every EMI conversion processing fee · A converted purchase stops earning rewards · RBL publishes no interest rate for merchant EMI. Its own terms say the rate is communicated when you take the offer, so ask before you commit. Tenures run 3 to 24 months and closing early costs 3% of the outstanding. · EMI conversions earn no points and do not count toward the milestone or the waiver

Milestones

  • ◆ Spend ₹75,000 per quarter → 1,000 Fuel Points on crossing ₹75,000 of eligible spends in the quarter Worth ₹500

Return by category

CategoryReturnNotes
Online spend1%Base rate
Amazon1%Base rate
Flipkart1%Base rate
Subscriptions & OTT1%Base rate
Offline spend1%Base rate
UPI spending1%Only the RuPay variant can link to UPI. RBL publishes no separate UPI rate, so the 1% base is assumed here
Dining1%Base rate
Swiggy1%Base rate
Zomato1%Base rate
Groceries1%Base rate
Quick commerce1%Base rate
Swiggy Instamart1%Base rate
Blinkit1%Base rate
BigBasket1%Base rate
Movies & shows1%Base rate
BookMyShow1%Base rate
PVR INOX1%Base rate
Fuel7.5%15 Fuel Points per ₹100 at IndianOil stations only, capped at 2,000 Fuel Points a month, about ₹13,300 of fuel. Other pumps earn the 1% base · RBL advertises 8.5% valueback by adding the 1% surcharge waiver on top of the 7.5% in points
Travel (general)1%Base rate
Flights1%Base rate
Hotels1%Base rate
MakeMyTrip1%Base rate
IRCTC rail0%Railway MCCs are excluded from points, milestone and waiver
International−2.5%1% reward − 3.5% forex markup
Utilities & bills0%Excluded from Fuel Points, the quarterly milestone and the fee waiver
Rent0%Real estate and rental MCCs are excluded from points, milestone and waiver
Education fees0%Excluded from Fuel Points, the quarterly milestone and the fee waiver
Insurance premiums0%Excluded from Fuel Points, the quarterly milestone and the fee waiver
Government & tax0%Excluded from Fuel Points, the quarterly milestone and the fee waiver
Wallet loads0%Wallet loads are excluded from points, milestone and waiver
Anything else1%Base rate
Jewellery1%Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

  • Welcome benefit: 3,000 Fuel Points, worth ₹1,500 of fuel, on spending ₹500 or more within 30 days. RBL credits it only after the membership fee is paid
  • The advertised 250 litres of free petrol a year assumes roughly ₹45,000 of monthly spends flowing through the card
  • The RuPay variant doubles as a National Common Mobility Card for transit

Other exclusions

  • EMI conversions earn no points and do not count toward the milestone or the waiver
RBL Bank IndianOil XTRABest for Fuel3.8 / 5

What to mind

  • Points redeem only as fuel at IndianOil stations, at ₹0.50 each
  • The 15X points cap at 2,000 a month, about ₹13,300 of fuel
  • Utilities, rent, education and government earn nothing and do not count toward the waiver

Verdict: The strongest pump rate in the market, built entirely around IndianOil. If your regular pump is an IndianOil one, nothing beats it. If not, skip it.

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.

Spotted an outdated rate?