Product Banner
Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

RBL Indian Oil Xtra

Great Rewards
Wide Acceptance
100% Digital & Secure

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 & 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
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

View / Toggle All

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.

You receive 3,000 Fuel Points after fulfilling the welcome offer conditions.

Yes, the annual fee is waived on yearly spends above ₹2.75 lakh.

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

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.

Apply for RBL Indian Oil Xtra

Get instant approval with zero paperwork and exclusive partner rewards.

Apply Now
It's quick, secure and hassle-free
Share This Product
Card At A Glance
Joining Fee ₹1,500 + GST
Annual Fee ₹1,500 + GST
Rewards Earn 15 Fuel Points per ₹100 spent at IndianOil fuel stations (maximum 2,000 Fuel Points per month)
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type RBL BANK