High-Yield Fuel Card — 8.5% Fuel Savings at IndianOil Pumps & 4 Domestic Lounge Visits
High-mileage commuters, road trip enthusiasts, and highway drivers spending ₹5,000+ monthly on fuel at IndianOil stations who desire domestic airport lounge access.
₹1,500
One-time upfront₹1,500
Waived on ₹2.75 lakh annual spend2 Fuel Points per Rs 100 on other retail spends (1% value back)
On eligible spends4 Domestic visits/year · ₹35k quarterly spend required
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IndianOil RBL Bank XTRA Credit Card is a premium fuel credit card built to turn substantial fuel bills into tangible savings. Charging an **annual fee of ₹1,500 + GST** (waived on spending ₹2,75,000 annually), the card positions itself well above generic entry-level fuel cards by combining an exceptional **8.5% effective fuel value back** at IndianOil outlets with coveted airport lounge privileges. At IndianOil petrol pumps, cardholders earn **15 Fuel Points per ₹100 spent** (where 1 Fuel Point = ₹0.50, delivering a direct 7.5% reward rate) on transactions paid via IndianOil POS terminals, capped at 1,000 Fuel Points per billing cycle. Combined with a 1% fuel surcharge waiver (on spends between ₹500 and ₹4,000, capped at ₹100/month), the net fuel benefit totals a stellar **8.5%**. To accelerate initial returns, new cardholders receive **1,000 Fuel Points (worth ₹500)** as a welcome gift upon completing their first fuel purchase within 30 days. What distinguishes this card from competitors like BPCL Octane is the inclusion of **4 complimentary domestic airport lounge visits per calendar year (1 visit per quarter)**, making it a dual-purpose lifestyle and transit card. On everyday spending, cardholders earn 2 Fuel Points per ₹100 on groceries and departmental stores (1% return) and 1 Fuel Point per ₹100 on all other purchases (0.5% return). For heavy car commuters spending ₹5,000 to ₹7,000 monthly at IndianOil pumps, this card easily pays for itself many times over.
15 Fuel Points/₹100 Spent at Indian Oil Stations and 2 Fuel Points/₹100 on Other Eligible Spends
3,000 Fuel Points
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| IndianOil Fuel Purchases | 17 Fuel Points per Rs 100 on IndianOil fuel purchases (8.5% value back) | 2,000 Other Points/mo | Standard terms apply |
| Grocery Purchases | 4 Fuel Points per Rs 100 on grocery purchases (2% value back) | 1,000 Other Points/mo | Standard terms apply |
| All Other Retail Spends | 2 Fuel Points per Rs 100 on all other retail transactions (1% value back) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| IndianOil Fuel Purchases | ₹6,000 | 17 Fuel Points per Rs 100 on IndianOil fuel purchases (8.5% value back) | — | ₹2,000/monthly | Calculating... | Under cap |
| Grocery Purchases | ₹6,000 | 4 Fuel Points per Rs 100 on grocery purchases (2% value back) | — | ₹1,000/monthly | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 2 Fuel Points per Rs 100 on all other retail transactions (1% value back) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,500
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Spend Rs 2,75,000 in previous year to waive the Rs 1,500 annual renewal fee.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹1,500 + GST (Welcome gift of 1,000 Fuel Points worth ₹500 on first transaction in 30 days). • Annual Renewal Fee: ₹1,500 + GST. • Spend-Based Fee Waiver: Annual fee waived on spending ₹2,75,000 in the preceding calendar year. • Fuel Value Back: 15 Fuel Points per ₹100 spent at IndianOil pumps (7.5% return; 1 Fuel Point = ₹0.50), capped at 1,000 Fuel Points per statement cycle. • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹500 and ₹4,000 (maximum waiver ₹100 per billing month). • Grocery & Supermarket Rewards: 2 Fuel Points per ₹100 spent (1.0% return). • General Retail Rewards: 1 Fuel Point per ₹100 spent on all other eligible categories (0.5% return). • Domestic Airport Lounge Access: 1 complimentary domestic lounge visit per calendar quarter (4 visits per year). • Redemption Options: Fuel Points can be redeemed for free petrol/diesel at authorized IndianOil outlets or against the rewards catalog. • Finance Charges (APR): 3.99% per month (47.88% annualized) on unpaid revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹1,500 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IndianOil RBL Bank XTRA Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official RBL Bank portal with paperless verification.
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