# IndianOil RBL Bank XTRA

RBL Bank · Mastercard. ₹1,500 fee · 3.5% forex · 2 FP/₹100 other purchases · offline RuPay-UPI <₹2,000 at small merchants earns 0.

✓ official · checked 10 July 2026 · Source: https://webassets.rbl.bank.in/document/credit-cards/tnc-indianoil-rbl-bank-extra-credit-card.pdf

## How it earns (2)

- 2 FP/₹100 other purchases · offline RuPay-UPI <₹2,000 at small merchants earns 0 · ✓ official · checked 10 July 2026
- 15 FP/₹100 at select IOCL stations (7.5% at ₹0.50 a point), cap 2,000 FP/month · the advertised 8.5% includes the surcharge waiver · cap 2,000 points per month · ✓ official · checked 10 July 2026

## On gift vouchers

- ₹100 back on a ₹10,000 voucher bought direct. · 2 FP/₹100 other purchases · offline RuPay-UPI <₹2,000 at small merchants earns 0
- Vouchers for ACT Fibernet, Acko Insurance, BYJU'S, Google Pay (GPay) and 20 more brands: nothing.

Worked out on a ₹10,000 voucher with no deal running. Card data current to 21 October 2026.
Every card on vouchers: https://voucher.getbrief.cards/best-cards-for-vouchers

## What earns nothing (2)

- No FP on wallet loads · brand vouchers earn base (the issuer does not address them)
- No FP: utilities, insurance, quasi-cash, railways, rent, education, wallet, govt, contracted services, cash, miscellaneous, Bills2Pay, EMI · same list excluded from fee-waiver and milestone spend

## Milestones (1)

- 1,000 Fuel Points (₹500 pump value) @ ₹75K/calendar quarter (spends in excluded categories don’t count) · ₹500 at ₹75,000 spend per quarter · ✓ official · checked 10 July 2026

## Fees

- Annual fee: ₹1,500 + GST
  Waived at ₹2,75,000 spend per card year
- Forex markup: 3.5%
- DCC markup: Not published
- Earns: RBL Fuel Points (IndianOil) · ₹0.5 a point at baseline

## Dated changes (0)


Every change, dated: https://getbrief.cards/changes

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

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Canonical: https://getbrief.cards/cards/rbl-indianoil-xtra