IndianOil RBL Bank XTRA Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

Annual fee

₹1,500 a year.

₹1,500 (waived off on eligible annual spends of ₹2.75 lakh)

What it gives back

2 fuel points for every ₹100 spent on your favorite purchases.

Read from 5 RBL Bank documents, last checked 1 Nov 2026.

How it compares

Compared with the cards we have read

₹1,500 annual fee: of the 401 other open cards whose annual fee we have read, 295 state a lower one, 4 state the same and 102 state a higher one.

3.5% forex markup: of the 441 other open cards whose forex markup we have read, 146 state a lower one and 295 state the same.

Fees

Annual fee
₹1,500 a year.₹1,500 (waived off on eligible annual spends of ₹2.75 lakh)
Fee waiver rule
Fee waived if you spend ₹2,75,000.
Add-on card fee
Add-on Card Fee ₹0-5,000 per Add-on Cardmember

Rewards

Reward rate
2 fuel points for every ₹100 spent on your favorite purchases.
Fuel earning
15 fuel points on every ₹100 spent at IndianOil fuel stations (maximum 2,000 fuel points per month)
Reward exclusions
Note: Purchases made under below mentioned merchant categories will be excluded from Fuel point benefit, quarterly milestone and annual fee waiver: Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental

Charges

Forex markup
3.5% on foreign currency transactions.
Cash advance fee
2.5% of the cash amount withdrawn, minimum ₹500
Interest on unpaid balance
Up to 3.99% p.m. (47.88% p.a.)
Interest-free period
Up to 50 days
Late payment fee
12.5% of the total outstanding amount, ranging from ₹5 to ₹1,300.

Eligibility

How we know - 5 documents from RBL Bank, checked 1 Nov 2026

5 documents from RBL Bank, checked 1 Nov 2026.

On these lists

₹1,500 a year

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