0% forexUPI
IDFC FIRST Bank
IDFC FIRST Power+ (HPCL) Credit Card
~5% back on HPCL fuel, groceries and bills
Annual fee₹499 + GST
Forex0%
LoungeYes
Other Banks · RBL Bank
IndianOil RBL Bank XTRA Credit Card
~8.5% value back on IndianOil fuel
Joining fee₹1,500 + GST
Annual fee₹1,500 + GST
NetworkMastercard / RuPay
Forex markup3.5%
LoungeNone
Best forFuel
Details checked October 2026
01Rewards
| IndianOil fuel | 15 fuel points per ₹100 (~7.5%) + 1% surcharge waiver — capped at 2,000 points/month |
| Other spends | 2 fuel points per ₹100 |
Redemption: ₹0.50 per point when redeemed for IndianOil fuel; ₹0.10 elsewhere.
02Fees, benefits & charges
- Fee waiver
- Renewal waived on ₹2.75 lakh annual spend
- Welcome benefit
- 3,000 fuel points on ₹500 spend within 30 days
- Milestones
- 1,000 bonus points for every ₹75,000 spent in a quarter
- Airport lounges
- No lounge access
- Forex markup
- 3.5%
- Fuel
- 1% surcharge waiver, capped at ₹200/month
- No rewards on
- Utilities, insurance, rent, wallet, education, government, EMI
03Highlights & watch-outs
Highlights
- One of the highest fuel returns in India
- Free fuel via point redemption at IndianOil
Watch out for
- Points worth much less outside IndianOil
- Fuel earn caps at ~₹13,300/month
Suits: Daily commuters who fill up at IndianOil.
04FAQs
What is the annual fee of the IndianOil RBL Bank XTRA Credit Card?
The annual fee is ₹1,500 + GST, and the joining fee is ₹1,500 + GST. Renewal waived on ₹2.75 lakh annual spend
Does the IndianOil RBL Bank XTRA Credit Card offer airport lounge access?
No lounge access
What is the forex markup on the IndianOil RBL Bank XTRA Credit Card?
The foreign currency markup is 3.5%.
Which spends don’t earn rewards on the IndianOil RBL Bank XTRA Credit Card?
Utilities, insurance, rent, wallet, education, government, EMI.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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