Fuel
IndianOil RBL Credit Card
A low-fee IndianOil fuel card: about 5% back as fuel points at IndianOil pumps (on up to about ₹10,000 of fuel a month).
Joining fee₹500 + GST
Annual fee₹500 + GST
Fee waiverOn ₹1.75 lakh spend a year
Top reward10 fuel points per ₹100 at IndianOil
LoungeNone
Forex markup3.5%
Best for: Drivers who spend ₹3,000 to ₹10,000 a month on fuel at IndianOil.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| IndianOil fuel | 10 fuel points per ₹100 (about 5%) | 1,000 points a month |
| Other spends | 1 fuel point per ₹100 (about 0.5%) | – |
| Utilities, insurance, rent, wallet loads, education, government, EMI | Nothing | – |
- 1 fuel point = ₹0.50 on fuel at IndianOil, only ₹0.10 elsewhere.
- ₹99 + GST redemption fee, waived on conversions above 5,000 points.
Benefits
Welcome benefit
- About ₹500 in welcome benefits after your first spend.
Milestones
- Annual fee waived on ₹1.75 lakh spend.
Travel and lounges
- No lounge access.
Fuel and forex
- 1% fuel surcharge waiver on ₹500 to ₹4,000, up to ₹100 a month.
- Forex markup 3.5%.
Other perks
- RuPay version works on UPI
Fees and charges
| Joining fee | ₹500 + GST (₹590) |
|---|---|
| Annual fee | ₹500 + GST, waived on ₹1.75 lakh yearly spend |
| Interest | 3.99% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed with income proof
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- About 5% at IndianOil
- Low fee
- RuPay option for UPI
Watch out for
- Points weak outside fuel
- Hard ₹1.75 lakh fee waiver
- No lounges
Recent changes
- 7 Jan 20261% fee on FASTag or toll payments above ₹10,000.
- 15 Oct 20241% fee on single fuel spends above ₹10,000.
Frequently asked questions
IndianOil RBL or IndianOil RBL XTRA?
XTRA costs ₹1,500 and gives about 7.5% at IndianOil; the basic card costs ₹500 and gives about 5%.
Ready to apply for the IndianOil RBL Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.