Basic Information

Welcome Benefits 1,000 Fuel Points on making a transaction above ₹500 within 30 days of card issuance

Card Details Card Name: IndianOil RBL Bank Credit Card; Bank Name: RBL Bank; Card Type: Co-branded Fuel Credit Card; Network: Mastercard, RuPay

Payment Network Mastercard, RuPay

Eligibility Age Criteria: 21–70 years, subject to RBL Bank's internal policy

Rewards Program

Reward Points Reward Rate: 1 Fuel Point per ₹100 on eligible spends; Reward Rate – IndianOil Fuel: 10 Fuel Points per ₹100 spent at IndianOil fuel stations; Fuel Reward Cap: Up to 1,000 Fuel Points per month on IndianOil fuel spends; General Reward Cap: No cap on eligible general spends; Reward Value: 1 Fuel Point = ₹0.50 when converted to IndianOil XTRA Rewards; ₹0.10 for other redemption options; Reward Expiry: 2 years from date of earning

Redemption Redemption Options: RBL Rewards portal / RBL Bank App; Fuel Points can be converted to IndianOil XTRA Reward points; Fuel Redemption: Converted XTRA Reward points can be redeemed for fuel at IndianOil fuel stations; Partial Redemption: XTRA Reward points can be used partially and balance paid using the credit card

Shopping Benefits

Online Shopping 1 Fuel Point per ₹100 on eligible spends

Offline Shopping 1 Fuel Point per ₹100 on eligible spends

Fuel Benefits

Fuel Savings Fuel Rewards: 10 Fuel Points per ₹100 at IndianOil fuel stations; Fuel Surcharge Waiver: 1% fuel surcharge waiver, up to ₹100 per month; Eligible Fuel Transaction: Fuel transaction between ₹500 and ₹4,000

Fuel Rewards 10 Fuel Points per ₹100 at eligible IndianOil fuel stations

Dining & Entertainment

Dining 1 Fuel Point per ₹100 on eligible dining spends

Daily Spending Benefits

Grocery 1 Fuel Point per ₹100 on eligible grocery spends

Insurance & Protection

Card Security Lost/damaged card can be reported through customer care or RBL Bank App

Digital Features

Payments UPI on Credit Card: RuPay variant supports UPI on Credit Card; NCMC: RuPay variant supports National Common Mobility Card (NCMC) features

Mobile Wallet RBL Bank App support

Banking Features Card can be switched ON/OFF through RBL Bank App

Add-on Features

Family Benefits Add-on card available; applicable fee ₹0–₹200

EMI Features Retail transactions can be converted to EMI subject to applicable terms

Bill Payments RBL Bank credit-card payment facilities

Fees & Charges

Joining Charges ₹500 + GST

Annual Charges Annual Fee: ₹500 + GST; Annual Fee Waiver: Waived on eligible annual spends of ₹1.75 lakh

Finance Charges Interest Rate: Up to 3.99% per month / 47.88% p.a.; Late Payment Fee: 12.5% of outstanding amount; minimum ₹5, maximum ₹1,300

Cash Advance Charges 2.5% of cash amount, minimum ₹500

EMI Charges EMI conversion facility available; specific card terms apply

Other Charges Overlimit Fee: NIL; Add-on Card Fee: ₹0–₹200 per add-on cardmember

Customer Support

Service 24×7 Customer Support: RBL customer support via phone, WhatsApp, chat and email; Customer Care: 022 62327777; WhatsApp Support: 8433598888

Performance & Ratings

Best Usage IndianOil Fuel, Fuel Rewards, Everyday Spending

Advantages High IndianOil fuel reward rate; fuel surcharge waiver; ₹1.75 lakh annual spend fee waiver; RuPay variant supports UPI/NCMC

Limitations Several categories are excluded from Fuel Point earning and annual-fee-waiver spend calculation