Verified — 16/16 categories
RBL Bank
IndianOil RBL Bank XTRA
Best forFuel & Groceries
Earns15 FP/₹100 on fuel — only at IndianOil outlets
1st Year / Joining Fee
₹1,500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,75,000
annual spend
Network
Not recorded
RBL Bank
IndianOil RBL Bank XTRA
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on fuel and groceries, where it earns 15 FP/₹100 (only at IndianOil outlets)
- Annual fee is waived at ₹2,75,000 yearly spend
How you earn
Reward rates at a glance — exactly as recorded for this card.
FuelOnly at IndianOil outlets15 FP/₹100
Groceries2 FP/₹100
Dining2 FP/₹100
Food Delivery2 FP/₹100
Travel2 FP/₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not a good fit | — | Rental payments (MCC 6513) strictly excluded from reward points accrual per RBL Cardmember Agreement and Schedule of ChargesDetails
|
| Education | Not a good fit | — | Education payments (MCC 8211, 8220, 8244) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Insurance | Not a good fit | — | Insurance premium payments (MCC 6300, 6310) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Utilities | Not a good fit | — | Utility bill payments (MCC 4900) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Fuel | 15 FP/₹100 | 2,000 FP per month | Only at IndianOil outletsDetails
|
| Groceries | 2 FP/₹100 | — | General retail base 2 Fuel Points/₹100 (₹0.50 fuel redemption) per SRC-RBL-IOCL-XTRA-01Details
|
| Dining | 2 FP/₹100 | — | General retail base 2 Fuel Points/₹100 (₹0.50 fuel redemption) per SRC-RBL-IOCL-XTRA-01Details
|
| Food Delivery | 2 FP/₹100 | — | General retail base 2 Fuel Points/₹100 (₹0.50 fuel redemption) per SRC-RBL-IOCL-XTRA-01Details
|
| Shopping | — | — | Explicit RBL source-gated ruleDetails
|
| Travel | 2 FP/₹100 | — | General retail base 2 Fuel Points/₹100 (₹0.50 fuel redemption) per SRC-RBL-IOCL-XTRA-01Details
|
| Government | Not a good fit | — | Government and tax payments (MCC 9311, 9399, 9400) strictly excluded from reward points accrual per RBL Cardmember Agreement Section 4Details
|
| Wallet | Not a good fit | — | Wallet loading transactions (MCC 6540) strictly excluded from reward points accrual per RBL Cardmember Agreement Section 4Details
|
| Railways | Not a good fit | — | Railway transactions (MCC 0066, 4011, 4112) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| FASTag | Not a good fit | — | FASTag / toll transactions (MCC 4784) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Jewellery | 2 FP/₹100 | — | General retail base 2 Fuel Points/₹100 (₹0.50 fuel redemption) per SRC-RBL-IOCL-XTRA-01Details
|
| Telecom | Not a good fit | — | Telecom service payments (MCC 4812, 4814, 4899) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹1,500 + taxes
Renewal Fee
Not recorded
Fee waiver
₹2,75,000
annual spend
Reward caps
- Fuel — 2,000 FP / month (per category — Fuel)
Key benefits
Rewards
15 FP/₹100 on fuel (only at IndianOil outlets)
Fee waiver
Annual fee waived on ₹2,75,000 annual spend
Important to know
Limits and exclusions that change what you earn.
- Fuel reward (15 FP/₹100) applies only at IndianOil outlets — not to all fuel spends
- Fuel rewards are capped at 2,000 FP / month (per category — Fuel)
- Not recommended for: Rent, Education, Insurance, Utilities +5 more
Who should consider this card
✓ Good fit if
- Your spending is concentrated in fuel, groceries, dining
- You regularly spend only at IndianOil outlets
- You can reach the ₹2,75,000 annual spend that waives the fee
△ Less useful if
- Much of your spending is in rent, education, insurance, which earn nothing
- Your spending is not only at IndianOil outlets
- You cannot reach the fee-waiver spend and would pay the annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 9 no-reward categories
Caps
- Fuel — 2,000 FP / month (per category — Fuel)
Categories with no reward or not eligible
- Rent — Not a good fit. Rental payments (MCC 6513) strictly excluded from reward points accrual per RBL Cardmember Agreement and Schedule of Charges.
- Education — Not a good fit. Education payments (MCC 8211, 8220, 8244) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Insurance — Not a good fit. Insurance premium payments (MCC 6300, 6310) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Utilities — Not a good fit. Utility bill payments (MCC 4900) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Government — Not a good fit. Government and tax payments (MCC 9311, 9399, 9400) strictly excluded from reward points accrual per RBL Cardmember Agreement Section 4.
- Wallet — Not a good fit. Wallet loading transactions (MCC 6540) strictly excluded from reward points accrual per RBL Cardmember Agreement Section 4.
- Railways — Not a good fit. Railway transactions (MCC 0066, 4011, 4112) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- FASTag — Not a good fit. FASTag / toll transactions (MCC 4784) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Telecom — Not a good fit. Telecom service payments (MCC 4812, 4814, 4899) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to RBL Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-21
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-21
Documents used
RBL Phase 14 research / current issuer evidence · RBL Phase 14 research / current issuer evidence
IndianOil RBL Bank XTRA Credit Card Terms & Schedule of Benefits · SRC-RBL-IOCL-XTRA-01