IndianOil RBL Bank XTRA
RBL Bank · Checked 2026-10-09
IndianOil RBL Bank XTRA is a paid card focused on fuel savings and reward points, charging ₹1,500 annually before GST.
CardIQ editorial view
Our take
IndianOil RBL Bank XTRA is a paid card focused on fuel savings and reward points, charging ₹1,500 annually before GST.
Who it suits
- People who prioritise fuel savings.
- People who prioritise reward points.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 15 Fuel Points per ₹100 at eligible IndianOil stations; 2 per ₹100 on other eligible purchases.
- 1 Fuel Point = ₹0.50 for IndianOil XTRA Rewards; these are fuel rewards, not unrestricted cash.
- Fuel surcharge waiver is separate from Fuel Points and has its own cap.
Trade-offs to understand
- IndianOil accelerated earn capped at 2,000 Fuel Points per month.
- Fuel surcharge waiver is separate from Fuel Points and has its own cap.
- The ₹1,500 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 15 fuel points per ₹100 at eligible indianoil stations; 2 per ₹100 on other eligible purchases valuable enough to clear the fee. Factor in this condition: IndianOil accelerated earn capped at 2,000 Fuel Points per month.
Compare before deciding
- BPCL SBI Card OCTANE — A lower-fee way to compare similar strengths in reward points and fuel savings.
- IndianOil Axis Bank Premium — A lower-fee way to compare similar strengths in reward points and fuel savings.
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Benefits, limits and conditions
- IndianOil accelerated earn capped at 2,000 Fuel Points per month.
- 1 Fuel Point = ₹0.50 for IndianOil XTRA Rewards; these are fuel rewards, not unrestricted cash.
- Fuel surcharge waiver is separate from Fuel Points and has its own cap.