IndianOil RBL Bank XTRA Credit Card

₹1,770 plus GST, waived on ₹2,75,000 of annual spend.

The strongest published rate is 15% on fuel, capped at ₹1,000 per month — so roughly ₹6,667 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 2-point base rate applies to purchases outside excluded categories; RBL's excluded list applies as on its other cards. The 2-point base rate applies to purchases outside excluded categories; RBL's excluded list applies as on its other cards. The 2-point base rate applies to purchases outside excluded categories; RBL's excluded list applies as on its other cards.

Redeemed through the issuer's rewards programme as published on the card's product page

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.

15 Fuel Points for every Rs. 100 spent at IndianOil fuel stations, up to 2,000 Fuel Points a month. At the published conversion of Rs. 0.50 a Fuel Point that is 7.5% back — the highest published fuel rate in our catalogue — and the cap is reached at about Rs. 13,300 of fuel in a month.

Rs. 1,500 plus GST, which is Rs. 1,770. RBL waives it when valid transactions reach Rs. 2,75,000 or more annually, about Rs. 23,000 a month across all spending, not just fuel.

Rs. 0.50 on conversion, which RBL publishes. That is what turns the headline 15 points per Rs. 100 into a 7.5% return, and it is why this card can be compared honestly against a cashback card.

21 to 70 years, subject to RBL's internal policy. That upper limit is unusually generous — only two other cards in our catalogue stay open to a new applicant past 70.

The points are redeemable 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 to you and a general cashback card will pay more.

Up to 3.99% a month, or 47.88% a year — the top of RBL's published range. Cash advances cost 2.5% of the amount withdrawn with a minimum of Rs. 500, plus interest from the day of withdrawal with no interest-free period.