IndianOil RBL Bank XTRA Credit Card Review: 7.5% Back at IndianOil

The IndianOil RBL Bank XTRA Credit Card earns 15 fuel points per ₹100 at IndianOil, worth 7.5% when redeemed as fuel at 50 paise a point, up to 2,000 points a month, plus 2 points per ₹100 on most other spends. Instead of a joining fee, RBL bills a ₹1,500 + GST annual fee starting in year one, and its terms waive it when eligible spends reach ₹2.75 lakh in a year. It pays off for people who fill up often at IndianOil and redeem their points at the pump.

By Rashmi Mandana · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹1,500 + GST
Annual fee: ₹1,500 + GST. Annual fee waived on eligible spends of INR 2.75 lakh in a year (excluded categories do not count)
Base reward: 2 fuel points per INR 100 on all other purchases... (about 1% value)
Best category: Fuel at select IndianOil fuel stations: about 7.5% value
Lounge: Domestic: None listed International: None listed
Forex markup: 3.5% of the amount
Network: Mastercard, RuPay

Apply on RBL Bank's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

One of the richest fuel earners for heavy IndianOil users who redeem at the pump, but the ₹1,500 fee, the 1% fee on fuel bills above ₹10,000 and the low ₹0.10 portal value need care.

Best for

Drivers who fill up at IndianOil several times a month
People who will convert fuel points to XTRAREWARDS and redeem at IndianOil pumps
RuPay users who want a fuel card that also works on UPI

Skip it if

You fill mostly at other brands' pumps
You would redeem on RBL's rewards portal, where a point is worth only ₹0.10
You want lounge access or insurance cover

Highlights

15 fuel points per ₹100 at IndianOil, up to 2,000 points a month
1 fuel point = ₹0.50 as IndianOil fuel, ₹0.10 on RBL's portal
₹1,500 + GST annual fee from year one; waived on ₹2.75 lakh of yearly spends
3,000 welcome points and 1,000 points a quarter on ₹75,000 of spends
Mastercard or RuPay, with UPI on the RuPay card

IndianOil XTRA in brief

XTRA is the richer of RBL Bank's two IndianOil co-brand cards. It comes on Mastercard or RuPay, and the RuPay version works on UPI and carry National Common Mobility Card features. At select IndianOil stations it earns 15 fuel points per ₹100, and once converted for fuel at IndianOil a point is worth ₹0.50, so that is 7.5% back. RBL's headline of "8.5% Valueback" adds the 1% fuel surcharge waiver on top.

Three details decides how good it really is for you:

Where you redeem. At the pump a point is ₹0.50; on RBL's rewards portal it's ₹0.10, five time less.
The fee. You pay ₹1,500 plus GST as an annual fee starting in year one, not as a joining fee, and the terms waive it at ₹2.75 lakh of eligible spends a year.
Big fills. RBL's common terms charge 1% on any fuel or auto transaction above ₹10,000, and no exemption is stated for this fuel card.

Status and recent changes

The card is active and open for applications. Two RBL-wide changes touch it: since 17 October 2025 a late payment costs 12.5% of what's outstanding, never under ₹5 or over ₹1,300, and since 7 January 2026 FASTag top-ups and toll payments over ₹10,000 carry 1%. RBL also disclose that it has a revenue-sharing arrangement with IndianOil for this card, as RBI rules require for co-brands. The bank's full range is on our RBL Bank credit cards page, and the basics of surcharge waivers are in our fuel credit cards guide.

What XTRA costs

RBL bills XTRA as a yearly membership: ₹1,500 plus GST in year one and again each year, with no joining fee as such. With tax that's ₹1,770 (₹1,500 plus ₹270, which is 18% of ₹1,500). Each add-on card cost ₹200 plus GST.

The waiver, worded with care

RBL's terms say that a cardmember who makes valid transactions of ₹2.75 lakh or more in a year gets an annual fee waiver of ₹1,500. That works out to about ₹22,917 a month (₹2,75,000 divided by 12), and excluded categories like utilities, insurance and rent doesn't count. The card page, though, says the waiver benefit applies only if the annual fee is paid. Read together, it seem the fee may be billed first and reversed later, so ask RBL how it will work on your account before counting on it.

Interest and penalties

Interest is up to 3.99% a month, 47.88% a year, and RBL sets it by bureau score: a score above 775 gets 3.35% a month (40.20% a year), 725 to 775 gets 3.85%, and below 725 pays 3.99%. On ₹12,000 carried for a month, that's ₹402 at 3.35% (3.35% of ₹12,000) against ₹478.80 at 3.99% (3.99% of ₹12,000). The interest free period are up to 50 days.

Pay late and RBL takes 12.5% of your total outstanding as the fee (₹5 at least, ₹1,300 at most), but only after the account has stayed past due beyond 3 days. On ₹6,000 outstanding it's ₹750 (12.5% of ₹6,000); on ₹40,000 it would be ₹5,000, so the ₹1,300 ceiling apply. Cash advances cost 2.5% of the amount, minimum ₹500, with finance charges from the day of withdrawal. Over-limit fee is nil.

Spend fees

Any fuel or auto bill over ₹10,000 attracts 1%, capped at ₹3,000 for one transaction. Keep fills at ₹10,000 or under.
Rent payments 1%. Utility bills 1% once they cross ₹50,000 in a month. School or college fees paid via CRED, PhonePe, Paytm or similar apps 1%; paid directly on the institution's site or POS, no fee.
FASTag top-ups and toll payments over ₹10,000: 1%, since 7 January 2026.
Foreign currency markup 3.5%. Converting a purchase to merchant EMI costs ₹150 or 1.5%, the higher one. Cash payment at a branch ₹100, cheque return ₹500.
Reward redemption ₹99 plus GST per redemption day. GST of 18% is added to all charges.

IndianOil XTRA: fees and charges

Joining fee	₹1,500 + GST
Annual or renewal fee	₹1,500 + GST
Annual fee waiver	Annual fee waived on eligible spends of INR 2.75 lakh in a year (excluded categories do not count)
Add-on card fee	₹200 + GST
GST	Charged on top of the fees and charges listed
In the bank’s words	Membership fee INR 1,500 + GST; annual fee waived if you spend more than INR 2,75,000 per year; add-on card INR 200
Interest on unpaid balances	Up to 3.99% a month (47.88% a year)
Late payment fee	12.5% of total outstanding amount, minimum INR 5 and maximum INR 1,300 (w.e.f. 17 October 2025); levied only when the account is past due for more than 3 days
Cash withdrawal	2.5% of the cash amount withdrawn (minimum INR 500) plus finance charges from the date of withdrawal
Over-limit fee	NIL
Forex markup	3.5% of the amount
Other fees	Cash advance fee 2.5% of the cash amount (minimum INR 500); finance charges accrue from the date of withdrawal Fee on rental transactions (MCC 6513): 1% of transaction amount Fee on utility spends (MCC 4900): 1% on aggregate utility spends above INR 50,000 per month per card Fee on fuel and auto transactions: 1% on each transaction above INR 10,000, maximum INR 3,000 per transaction Fee on education payments made through third-party apps (CRED, PhonePe, Paytm and others): 1%; none when paid on the school/college website or POS Fee on FASTag loading and toll payments (MCC 4784, 4111, 4131): 1% on transactions above INR 10,000, w.e.f. 7 January 2026 Foreign currency transaction markup: 3.5% (0% on World Safari, World Safari Lite, World Safari Plus and Lumiere; 2% Nova; 1.5% Insignia/iGlobe/World Xclusive) Merchant EMI processing fee: 1.5% of amount or INR 150, whichever is higher Cash payment at RBL Bank branches: INR 100 per transaction Cheque return / auto-debit reversal: INR 500 Reward redemption fee: INR 99 + GST, once per day of redemption All charges attract GST at 18%

Fuel points, explained

IndianOil fuel: 15 fuel points per ₹100 at select IndianOil stations listed by RBL, capped at 2,000 points a month. The cap comes at ₹13,333 of fuel (2,000 divided by 15, times ₹100), worth ₹1,000 at ₹0.50 a point (2,000 times ₹0.50).
Other purchases: 2 fuel points per ₹100, which is 1% at pump value (2 times ₹0.50 is ₹1 on ₹100).
Nothing on: utilities, insurance, quasi-cash, railways, real estate and rent, education, wallets, government services, contracted services, cash, miscellaneous, Bills2Pay, EMI conversions, and fees, charges and GST.

One more rule for the RuPay card. Offline UPI payments under ₹2,000 at small merchants, those with turnover up to ₹20 lakh, earn no points.

Turning points into fuel

The value hinge on the conversion. Three fuel points become 5 IndianOil XTRAREWARDS points, and each XTRAREWARDS point is worth ₹0.30 at IndianOil, so 3 fuel points give ₹1.50 (5 times ₹0.30), or ₹0.50 each. On RBL's own rewards portal a fuel point is only ₹0.10, which takes the 7.5% down to 1.5% (15 times ₹0.10 is ₹1.50 on ₹100), and RBL charge ₹99 plus GST per redemption day there. RBL's MITC lists the fee as waived on IOCL card conversions above 5,000 points. Points not redeemed within 24 months expire, though RBL doesn't say separately if this applies to fuel points.

The welcome gift is 3,000 fuel points, ₹1,500 at the pump, for a retail transaction above ₹500 within 30 days, after the annual fee is paid. Every calendar quarter with ₹75,000 or more of eligible purchases add 1,000 points, so ₹500. The surcharge waiver gives 1% back on fills of ₹500 to ₹4,000, up to ₹200 a month.

Three drivers, worked out

₹13,000 a month: fuel ₹5,000 in two fills of ₹2,500 earns 750 points (₹5,000 divided by 100, times 15), other spends of ₹6,000 earn 120 (times 2), and ₹2,000 of bills earn none. Month 870 points (750 plus 120), ₹435 (870 times ₹0.50); year ₹5,220 (₹435 times 12). Surcharge back ₹50 a month (1% of ₹5,000), ₹600 a year. Total ₹5,820 (₹5,220 plus ₹600). Eligible spends are ₹1,32,000 a year (₹5,000 plus ₹6,000 is ₹11,000, times 12), short of ₹2.75 lakh, so the ₹1,770 fee have to be paid and the net is ₹4,050 (₹5,820 minus ₹1,770). Quarterly spend of ₹33,000 (₹11,000 times 3) miss the milestone.
₹28,000 a month: fuel ₹10,000 in four fills earns 1,500 points, other spends ₹15,000 earn 300, bills ₹3,000 earn none. Month 1,800 points (1,500 plus 300), ₹900; year ₹10,800 (₹900 times 12). Surcharge ₹100 a month, ₹1,200 a year. Each quarter has ₹75,000 of eligible spends (₹25,000 times 3), so 4 milestones bring 4,000 points, ₹2,000, and surcharge plus milestones make ₹3,200 (₹1,200 plus ₹2,000). Total ₹14,000 (₹10,800 plus ₹1,200 plus ₹2,000). At ₹3,00,000 a year (₹25,000 times 12) the fee should be waived; if it's billed anyway, the net is ₹12,230 (₹14,000 minus ₹1,770).
₹55,000 a month: fuel ₹16,000 in four fills of ₹4,000 would earn 2,400 points (₹16,000 divided by 100, times 15) but stops at 2,000, so 400 points or ₹200 are lost. Other spends ₹30,000 add 600, and ₹5,000 bills plus ₹4,000 insurance earn none. Month 2,600 points (2,000 plus 600), ₹1,300 (2,600 times ₹0.50); year ₹15,600 (₹1,300 times 12). Surcharge ₹160 a month (1% of ₹16,000, under the ₹200 cap), ₹1,920 a year. Milestones ₹2,000, so ₹3,920 with the surcharge (₹1,920 plus ₹2,000). Total ₹19,520 (₹15,600 plus ₹1,920 plus ₹2,000), fee waived.

Driver	Monthly spend	Fuel at IndianOil	Points value a year	Surcharge and milestones	Total a year	Fee
Light	₹13,000	₹5,000	₹5,220	₹600	₹5,820	₹1,770 paid
Typical	₹28,000	₹10,000	₹10,800	₹3,200	₹14,000	Waived
Heavy	₹55,000	₹16,000	₹15,600	₹3,920	₹19,520	Waived

All this assume you redeem at IndianOil. On RBL's portal, divide the points value by five.

IndianOil XTRA: higher-reward categories

Category	Rate	Cap
Fuel at select IndianOil fuel stations (listed MID/TID)	15 fuel points per INR 100, about 7.5% value	Up to 2,000 fuel points in a month, ₹2,000, month

IndianOil XTRA: how rewards work

Earned as	Fuel points (convertible to IndianOil XTRAREWARDS points)
Base rate	2 fuel points per INR 100 on all other purchases (excluding excluded categories and IndianOil fuel stations). About 1% value back
Minimum spend rules	Not published by the bank
No rewards on	Utilities Insurance Quasi-cash Railways Real estate / rental Education Wallets / service providers Government services Contracted services Cash Miscellaneous Bills2Pay EMI conversions Fees, charges and GST
Lower rewards on	Offline UPI transactions under INR 2,000 at small merchants (turnover up to INR 20 lakh) on the RuPay variant earn no points or benefits
Value of a point	Converted to IndianOil XTRAREWARDS and redeemed at IndianOil fuel stations: 1 Fuel Point = INR 0.5 on IOCL Petrol Pump, Value of 1 (One) XTRAREWARDS Point = INR 0.30, 3 Fuel Point = 5 XTRA Reward Point. Redeemed on the RBL Bank rewards portal: 1 Fuel Point = INR 0.1 on redemption at RBL Bank rewards portal
Redemption fee	INR 99 + GST per redemption day on the RBL rewards portal (MITC notes the fee is waived on IOCL card 'RBL Rewards Conversion >5000')
Expiry	Points not redeemed within 24 months expire (RBL Bank rewards T&C)
Welcome benefits	3,000 fuel points on a retail transaction above INR 500 within 30 days of issuance, after the annual fee is paid
Milestone benefits	1,000 fuel points per calendar quarter on purchases of INR 75,000 or more
Lounge access	Domestic: None listed International: None listed
Fuel surcharge waiver	1% fuel surcharge waiver on fuel purchases of INR 500 to INR 4,000; maximum INR 200 per month
Insurance cover	None listed

Applying for IndianOil XTRA

RBL says people aged 21 to 70 are eligible for its IndianOil cards, subject to the bank's internal policy. That is the only rule it publishes; no income figure is given. The application form still ask your net monthly income, so the bank is clearly weighing it.

What the form asks for

PAN, which is mandatory.
Net monthly income.
KYC by any of Aadhaar e-KYC, a video call, biometrics, offline documents, or your CKYC record.

The process

You apply online through the Apply Now link on the card page. Once KYC and your details is in, RBL puts processing at up to 20 days. You can choose Mastercard or RuPay at the start; existing cardmembers can ask for the other network on +91 22 6232 7777. Pick RuPay if UPI payments matter to you.

What decides approval

Your credit score do double duty at RBL. It shapes the approval and also your interest rate, because RBL charges 3.35% a month above 775 and 3.99% below 725. Under the RBI's 2025 Directions the bank must assess your own means and the limits you hold elsewhere, and a rejection must come with written reasons. A card cannot be issued without your explicit consent, and you can close it within seven working days on request once dues are paid. The decision is RBL's alone. For service, RBL's card line is +91 22 6232 7777, and its MITC also lists the toll-free 1800 102 6222.

IndianOil XTRA: eligibility and documents

Age (salaried)	21 to 70 years
Age (self-employed)	21 to 70 years
Income (salaried)	Not published by the bank
Income (self-employed)	Not published by the bank
Other conditions	Subject to the bank's internal policy; no income figure published
Documents	PAN (mandatory field on the application) KYC through Aadhaar e-KYC / Video KYC / biometric KYC or offline KYC, or CKYC record Net monthly income declared on the application
How to apply	Online through the 'Apply Now' links on each card page (creditcard.rbl.bank.in); KYC by Aadhaar e-KYC, Video KYC, biometric or offline modes. RBL says processing takes up to 20 days once KYC and details are complete.
Card customer care	+91 22 6232 7777

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

Who XTRA works for

The ideal holder drives a car, fills at IndianOil three or four times a month in fills of ₹4,000 or less, and redeem the points at the pump. That person earns 7.5% plus 1% surcharge back on fuel, collects the quarterly milestone if total spends are around ₹25,000 a month, and usually gets the fee waived as well. Few fuel cards in our data comes close to ₹1,000 of fuel value a month.

It suits less well people who fill at BPCL or HP pumps, because non-IndianOil fuel earn only 2 points per ₹100. People who use the card mostly for bills, rent or insurance get nothing on those. And light users below ₹2.75 lakh a year pay ₹1,770, which a ₹5,000 monthly fuel bill still covers, but only just covers if fuel is lower.

Trade-offs

The redemption route is the big one. Pump value of ₹0.50 makes this a top fuel card; portal value of ₹0.10 makes it ordinary. The waiver wording is unclear, so treat the fee as likely until RBL confirms. The 1% fee on fuel transactions above ₹10,000 punishes full-tank fills of big SUVs. There's no lounge, no insurance listed and a 3.5% forex markup, so keep a different card for travel.

Pros

15 fuel points per ₹100 at IndianOil, worth 7.5% at ₹0.50 a point
High fuel cap of 2,000 points a month, worth ₹1,000 as fuel
3,000 welcome fuel points, worth ₹1,500 at the pump
1,000 bonus fuel points in each quarter with ₹75,000 of spends
Fuel surcharge waiver of up to ₹200 a month on fills of ₹500 to ₹4,000
RuPay variant works on UPI and carries NCMC features

Cons

₹1,500 + GST annual fee is charged from the first year
RBL's 1% fee on fuel and auto transactions above ₹10,000 applies, with no exemption stated
Points redeemed on RBL's portal are worth only ₹0.10, with a ₹99 + GST fee per redemption day
No points on utilities, insurance, rent, education, wallets or government payments
No lounge access, no insurance listed and a 3.5% forex markup
Interest of up to 3.99% a month, depending on your credit score

XTRA against other fuel cards

Three fuel cards from other banks compete for the same driver. The comparison table below has every fee and cap; the short version is here.

XTRA or SBI Card BPCL OCTANE

BPCL SBI Card OCTANE costs ₹1,499 plus GST, reversed on ₹2 lakh of yearly spends, almost same like XTRA. At BPCL it gives 25 points per ₹100, worth 6.25% at ₹0.25 a point (25 times ₹0.25 is ₹6.25), capped at 2,500 points a cycle, which is ₹625 (2,500 times ₹0.25) and reached at ₹10,000 of fuel (2,500 divided by 25, times ₹100). It also pays 10 points per ₹100 on groceries, dining, department stores and movies and has 4 domestic lounge visits a year. XTRA's fuel ceiling is higher at ₹1,000 a month; OCTANE is the better all-rounder for BPCL users.

XTRA or IndianOil Kotak

The IndianOil Kotak card costs just ₹449 plus GST, waived at ₹50,000, and gives 4% at IndianOil up to ₹300 a cycle plus 2% on grocery and dining. It charges no fuel transaction fee. XTRA beats it by 3.5% on fuel (7.5% minus 4%), and on fuel alone that extra earn pays for XTRA's ₹1,770 fee once you fill about ₹4,214 a month (₹1,770 divided by 3.5%, divided by 12). Above that XTRA earn more; for small fuel bills, or if groceries is your bigger spend, Kotak is the cheaper keep.

XTRA or ICICI HPCL Super Saver

If your nearest pump is HP, look at ICICI HPCL Super Saver: ₹500 plus GST, reversed on ₹1.5 lakh, 4% cashback at HPCL up to ₹200 a month, an extra 1.5% through the HP Pay app, and 20 points per ₹100 on utilities, groceries and department stores up to 400 points a cycle. ICICI publish a ₹20,000 monthly income bar for salaried people.

See more on our best fuel credit cards page or the credit cards hub.

IndianOil XTRA against similar cards

Term	IndianOil RBL Bank XTRA Credit Card This card	BPCL SBI Card OCTANE	IndianOil Kotak Credit Card	ICICI Bank HPCL Super Saver Credit Card
Bank	RBL Bank	SBI Card	Kotak Mahindra Bank (Kotak)	ICICI Bank
Joining fee	₹1,500 + GST	₹1,499 + GST	₹449 + GST	₹500 + GST
Annual fee and waiver	₹1,500 + GST. Annual fee waived on eligible spends of INR 2.75 lakh in a year (excluded categories do not count)	₹1,499 + GST. Renewal Fee is reversible if annual spend for last year ≥ Rs. 200,000	₹449 + GST. Annual fee waived on retail spends of ₹50,000 in the previous anniversary year	₹500 + GST. Annual fee waived from the 2nd anniversary year if total spends are ₹1,50,000 or more in the previous anniversary year (fee for the subsequent year reversed)
Base reward	2 fuel points per INR 100 on all other purchases... (about 1% value)	1 Reward Point per Rs (about 0.25% value)	0.5% back as Reward Points (3 points per ₹150) on all other spends (about 0.5% value)	2 ICICI Bank reward points per ₹100 on other retail spends...
Best category	Fuel at select IndianOil fuel stations: about 7.5% value	BPCL fuel and lubricants at BPCL pumps: about 6.25% value	IndianOil fuel pump spends: about 4% value	Utilities and departmental stores: about 5% value
Lounges	Domestic: None listed International: None listed	Domestic: 4 complimentary domestic lounge visits per calendar year (max 1 per quarter); from 10 Jan 2026 only at lounges in SBI Card's 'Set A' list International: None listed	Not published by the bank	Domestic: 1 domestic airport lounge access per quarter (primary) on ₹75,000 spend in the preceding quarter International: None
Forex markup	3.5% of the amount	3.5% of the amount	3.5% of the amount	3.5% of the amount
Network	Mastercard, RuPay	Visa, RuPay	RuPay	RuPay
Published minimum income	Not published by the bank	Stable income; SBI Card says the specific minimum varies by card and does not...	Not published by the bank	₹20,000 a month
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

What does the IndianOil RBL Bank XTRA card cost, and is the fee waived?

RBL charges an annual membership fee of ₹1,500 plus GST from the first year, instead of a joining fee, and the same each year after. Its terms give a ₹1,500 fee waiver when eligible spends reach ₹2.75 lakh in a year, but the card page says the waiver applies only if the annual fee is paid, so confirm how RBL applies it. Add-on cards cost ₹200.

How much are IndianOil XTRA fuel points worth?

At IndianOil, fuel points convert to XTRAREWARDS points at 3 to 5, and each XTRAREWARDS point is worth ₹0.30, so a fuel point is worth ₹0.50. On RBL's own rewards portal the same point is worth only ₹0.10, and RBL charges ₹99 plus GST per redemption day there. Points not redeemed within 24 months expire.

Who can apply for the IndianOil RBL Bank XTRA card?

RBL says individuals aged 21 to 70 are eligible for its IndianOil cards, subject to the bank's internal policy. No income figure is published. The application asks for your PAN and net monthly income, and KYC can be done by Aadhaar e-KYC, video, biometric or offline methods. Processing can take up to 20 days, per RBL, and approval is the bank's decision.

Does the XTRA card have lounge access or a low forex markup?

No lounge visits or insurance cover are listed for this card. Foreign currency spends carry RBL's standard 3.5% markup, and GST of 18% is added to that fee, so ₹10,000 spent abroad costs ₹350 in markup (3.5% of ₹10,000) plus ₹63 GST. It is a fuel card for spending in India.

What has RBL changed on this card since 2025?

Since 17 October 2025, a late payment costs 12.5% of the total outstanding, between ₹5 and ₹1,300, and RBL charges it only once the account is over 3 days past due. Since 7 January 2026, FASTag loading and toll payments above ₹10,000 a transaction carry a 1% fee. The fuel earn rate did not change.

Is there a fee on large fuel purchases with the XTRA card?

Yes. RBL's common MITC charges 1% on each fuel and auto transaction above ₹10,000, up to ₹3,000 per transaction, and no exemption is stated for this fuel card. Keeping each fill at ₹10,000 or less avoids it. Fills of ₹500 to ₹4,000 also get the 1% fuel surcharge waiver, up to ₹200 a month.

Sources

RBL Bank: Schedule of Charges (RBL-CC-SOC-V2-04-06-2026); IndianOil RBL Bank XTRA Credit Card Terms and Conditions; Most Important Terms and Conditions cum Key Fact Statement for Credit Cards; RBL Bank Rewards Terms & Conditions (live page refused the fetch; read from Internet Archive capture of 2026-05-20; IndianOil RBL Bank XTRA Credit Card; IndianOil RBL Bank Credit Card FAQs; Credit Card Application Form (RBL-CC-LF-23-09-2026)

Last verified: 5 November 2026

Written by Rashmi Mandana, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.