RBL Bank
Indian Oil RBL Bank XTRA Credit Card
This is an invite only card
Apply and get ₹800 Rewards
Top Benefits
Up to 7.5% Valueback on Fuel Purchases
through accelerated fuel points earnings and fuel surcharge waiver benefits
Quarterly Fuel Bonus of 1000 Additional Fuel Points
on spend milestone on crossing quarterly spends of ₹75,000
Best For
Fuel
Shopping
Joining / Annual Fee
Joining Fees
₹1,770 ( ₹1500 + GST )
Annual Fees
₹1,770 ( ₹1500 + GST )
Eligibility
Age
Criteria*
21-70 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations, capped at ₹2,000 Fuel Points per month
- Earn 2 Fuel Points per ₹100 spent on all other card purchases
- Redeem Fuel Points at IndianOil outlets
- Enjoy a 1% fuel surcharge waiver up to ₹200 per month
- Get 3,000 Fuel Points on making your first card transaction of ₹500 or more within 30 days of card issuance
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Fuel Point = ₹0.5
Redemption Options
- Fuel Station via IndianOil
- Shopping
- Vouchers
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
All Reversals
Cancelled Transactions
Cash Advances
ATM Cash Withdrawals
Quasi-Cash Transactions
Money Transfers
P2P Transfers
Wallet Loads
Load Money
Gift Cards and Vouchers
Voucher Purchases
EMI Spends
Bank Charges & Fees
Late Payment Fees
Processing Fees
Financial Charges
Interest Charges
Payment Returned Charges
Service/Interest Charges
Transaction Charges
Education Spends
Fuel Surcharge
Toll Payments
Gambling Transactions
Lottery
Online Skill-Based Gaming
Government-related Transactions
Utility Bill Payments
Telecom
Taxes
Insurance Payments
Jewellery Purchases
Forex Transactions
Cryptocurrency/Digital Asset Transactions
Rent Payment
Railways
Transportation
Business Services
Contracted Services
Collection Agencies
Security Broker Services
Charity
Donations
Donations to Religious Organizations
Donations to Political Organizations
Antique Items
Liquid Assets
Outstanding Payments
Smartpay
Smartbuy Portal
For Spends Waiver
All Reversals
Cancelled Transactions
Cash Advances
ATM Cash Withdrawals
Quasi-Cash Transactions
Money Transfers
P2P Transfers
Wallet Loads
Load Money
Gift Cards and Vouchers
Voucher Purchases
EMI Spends
Bank Charges & Fees
Late Payment Fees
Processing Fees
Financial Charges
Interest Charges
Payment Returned Charges
Service/Interest Charges
Transaction Charges
Education Spends
Fuel Surcharge
Toll Payments
Gambling Transactions
Lottery
Online Skill-Based Gaming
Government-related Transactions
Utility Bill Payments
Telecom
Taxes
Insurance Payments
Jewellery Purchases
Forex Transactions
Cryptocurrency/Digital Asset Transactions
Rent Payment
Railways
Transportation
Business Services
Contracted Services
Collection Agencies
Security Broker Services
Charity
Donations
Donations to Religious Organizations
Donations to Political Organizations
Antique Items
Liquid Assets
Outstanding Payments
Smartpay
Smartbuy Portal
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid. | 3.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Cheque Payment Fees No cheque payment fee is charged | Not Applicable |
Cash Payment Fees ₹100 cash payment fee per deposit. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹40 | ₹5 |
| ₹41 - ₹100 | ₹10 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹5,000 | ₹500 |
| ₹5,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| ₹50,000 and above | ₹1,300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹800 Rewards
Top Benefits
Up to 7.5% Valueback on Fuel Purchases
through accelerated fuel points earnings and fuel surcharge waiver benefits
Quarterly Fuel Bonus of 1000 Additional Fuel Points
on spend milestone on crossing quarterly spends of ₹75,000
The smartest way to find your great credit card
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