RBL BankVisaIndian Oil XTRA Credit Card
4.5NeoFinQ editorial rating
Up to 8.5% value back on IndianOil fuel purchases
- Up to 8.5% value back on IOCL fuel
- 1% fuel surcharge waiver
- Quarterly milestones
- Joining fee
- ₹500
- Annual fee
- ₹1,500
- Reward type
- points
- Best for
- Points
- Est. rewards
- ₹22,500/yr
Our verdict
India's best fuel card for IndianOil station users.
Perfect for
- IndianOil fuel users seeking maximum fuel savings
Not ideal for
- Non-fuel spenders
Pros & cons
- Up to 8.5% value back on IOCL fuel
- 1% fuel surcharge waiver
- Quarterly milestones
- Limited non-fuel benefits
Rewards
Fuel: 15 points per ₹100 (Max 3,000 points/mo); Groceries & Supermarket: 10 points per ₹100 (Max 1,000 points/mo); Others: 2 points per ₹100.
| Category | Earn rate |
|---|---|
| Fuel | 5% |
Welcome offer
3,000 Reward Points on first transaction within 30 days of card issuance.
Benefits
More benefits
- Welcome Bonus: 3,000 Reward Points on first transaction within 30 days of card issuance.
- Milestone: 1,000 Fuel Points on ₹75,000 quarterly spend
Fees & charges
| Joining fee | ₹500 |
| Annual fee | ₹1,500 |
| Renewal fee | ₹1,500 |
| Fee waiver | Waived on ₹2,75,000 annual spend |
| Waiver threshold | Spend ₹2.8L/yr |
Eligibility
Employment
Salaried / Self Employed
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Find My Best CardIndian Oil XTRA Credit Card
Annual fee ₹1,500