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RBL Bank
5% back at IndianOil for a Rs. 590 fee waived at Rs. 1,75,000 of annual spending
One-time
Waived on ₹1,75,000/yr
Capped at ₹500/month
Score 700+
Applying takes you to RBL Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from RBL Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromFuel
Pays up to ₹500 a month — reached at about ₹5,000 of spend
Everything else
Shares the card's ₹500 a month ceiling
These rates share one ceiling: ₹500 a month across the card, not per category.
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Fuel — IndianOil stations, capped at 1,000 Fuel Points a month — about Rs. 500 of value., up to ₹500 per month.
Biggest limitation
The 10-point fuel rate stops at 1,000 Fuel Points a month, about Rs. 10,000 of fuel. Past that, fuel earns the 1-point base rate.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10 pts
cappedFuel
Pays up to ₹500 per month — reached at about ₹5,000 of spend.
IndianOil stations, capped at 1,000 Fuel Points a month — about Rs. 500 of value.
1 pts
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹590 | — |
| Annual / renewal fee | ₹590 | Rs. 500 + GST annual membership fee waived on annual spends of Rs. 1,75,000 |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 12.5% | 12.5% of the total outstanding, minimum Rs. 5 and maximum Rs. 1,300 |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹1,75,000 a year
is what it takes to keep the ₹590 fee off — about ₹14,583 a month
This card carries no airport lounge access.
1% waiver. 1% fuel surcharge waiver on eligible fuel transactions.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a year — about ₹0 a month
Rs. 500 + GST annual fee waived on annual spends of Rs. 1,75,000
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
RBL BankRBL Bank SalarySe UP Credit Card₹589
RBL BankRBL Bank NOVA Credit Card₹14,750
RBL BankRBL Bank Shoprite Credit Card₹590
RBL BankIndianOil RBL Bank XTRA Credit Card₹1,770
RBL BankRBL Bank Platinum Maxima Credit Card₹2,360
RBL BankRBL Bank Icon Credit Card₹5,900| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IndianOil RBL Bank Credit Card · this card | ₹590 | 10% fuel | No |
| RBL Bank SalarySe UP Credit Card | ₹589 | See card | No |
| RBL Bank NOVA Credit Card | ₹14,750 | Up to 12 reward points per ₹200 | Included |
| RBL Bank Shoprite Credit Card | ₹590 | Up to 20 reward points per ₹100 | No |
| IndianOil RBL Bank XTRA Credit Card | ₹1,770 | Up to 7.5% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹590 plus GST, waived on ₹1,75,000 of annual spend.
The strongest published rate is 10% on fuel, capped at ₹500 per month — so roughly ₹5,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed at IndianOil fuel stations at Rs. 0.50 a Fuel Point
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
10 Fuel Points for every Rs. 100 spent at IndianOil, capped at 1,000 Fuel Points a month. At RBL's published Rs. 0.50 a point that is 5% back, and RBL quotes 6% once the 1% fuel surcharge waiver is counted. The cap is reached at about Rs. 10,000 of fuel a month.
The XTRA pays 15 Fuel Points per Rs. 100 — 7.5% — with a cap of 2,000 points a month, for a Rs. 1,770 fee waived at Rs. 2,75,000. This card pays 10 points, 5%, with a 1,000-point cap, for Rs. 590 waived at Rs. 1,75,000. If you spend under about Rs. 10,000 a month on fuel, this is the better of the two; above that the XTRA's higher cap starts to earn its fee.
Rs. 500 plus GST, which is Rs. 590, waived on annual spends of Rs. 1,75,000 — about Rs. 14,600 a month across all categories, not fuel alone. That is a far lower bar than most paid cards here and well under the Rs. 2,75,000 the IndianOil XTRA asks.
Rs. 0.50 on redemption at IndianOil fuel stations, which RBL publishes. That value is what turns the headline 10 points per Rs. 100 into a 5% return, and it is why this card can be compared honestly against a cashback card.
1,000 Fuel Points — Rs. 500 of fuel — for spending anything above Rs. 500 within 30 days of card issue. That is one of the easiest welcome conditions in this catalogue, and it alone very nearly covers the Rs. 590 fee.
No. They redeem at IndianOil fuel stations, so the value is tied to that brand. If you do not refuel at IndianOil regularly the accelerated rate is worth very little, and a general cashback card will pay more on the same spending.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IndianOil RBL Bank Credit Card — 10% on fuel, up to ₹500 per month. ₹590 a year.