Card PilotOptimize Now
RBL ·

IndianOil RBL Bank XTRA Credit Card

Go #Further&Beyond with India’s best Fuel Credit Card

Annual fee
₹1,500
Forex markup
Lounges (Dom/Intl)
— / —
Welcome benefit
₹3,000

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.

Net steady-state return
₹3,000 /year
0.50% effective · fee waived
Annual reward earned₹3,000
Welcome benefit (year 1)One-time₹3,000
Annual fee₹0 (waived)
Strong fit at this spend.

After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.

vs American Express MRCC

At ₹50,000/month with 15% travel and 10% dining.

Metric
IndianOil RBL Bank XTRA Credit Card
American Express MRCC
Annual fee
₹1,500
₹1,500
Annual reward
₹3,000
₹3,000
Net /year (steady)
₹3,000
₹3,000
Forex markup

Tools for IndianOil RBL Bank XTRA Credit Card holders

Frequently asked

Is the IndianOil RBL Bank XTRA Credit Card worth the ₹1,500 fee?

It depends on your spend. The IndianOil RBL Bank XTRA Credit Card earns 0.5% base reward and waives the annual fee at ₹2,75,000 of yearly spend. Use the break-even calculator above to see your specific number.

What is the eligibility for IndianOil RBL Bank XTRA Credit Card?

RBL hasn't published a hard minimum income for IndianOil RBL Bank XTRA Credit Card. Approval depends on credit score, existing relationship, and employment type.

Verified todaylikelySource: www.rblbank.com

Reward rates and fees are sourced from RBL's product page and may change. Always confirm with the card issuer before applying.