{"id":85135,"date":"2026-02-04T12:19:25","date_gmt":"2026-02-04T06:49:25","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=85135"},"modified":"2026-02-04T12:24:38","modified_gmt":"2026-02-04T06:54:38","slug":"rbl-bank-indianoil-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/rbl-bank-indianoil-credit-card\/","title":{"rendered":"RBL Bank IndianOil Credit Card for Everyday Fuel Saving"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The RBL Bank IndianOil Credit Card is an entry-level fuel-focused card with strong IOCL rewards.<\/li>\n\n\n\n<li>Earn accelerated Fuel Points on IndianOil fuel spends and base rewards elsewhere.<\/li>\n\n\n\n<li>Fuel surcharge waiver applies on eligible transactions, saving up to \u20b9100 monthly.<\/li>\n\n\n\n<li>Annual fee is \u20b9500 + GST, with waiver on \u20b91.75 lakh annual spends.<\/li>\n\n\n\n<li>RuPay variant supports UPI payments and NCMC contactless travel.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The RBL Bank IndianOil Credit Card is offered by RBL Bank in partnership with IndianOil Corporation Limited. It is one of two variants, the other being the IndianOil RBL XTRA Credit Card.<\/p>\n\n\n\n<p>This is the entry-level option, ideal for users who frequently refuel at IndianOil fuel stations. Cardholders earn high rewards on IOCL fuel purchases and base Fuel Points on non-IOCL fuel spends. With a joining and annual fee of \u20b9500 + GST, it delivers strong fuel savings.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#rbl-bank-indian-oil-credit-card-benefits\">RBL Bank IndianOil Credit Card Benefits<\/a><\/li><li><a href=\"#rbl-indian-oil-credit-card-reward-structure\">RBL IndianOil Credit Card Reward Structure<\/a><\/li><li><a href=\"#indian-oil-xtra-rewards-program\">IndianOil XTRA Rewards Program<\/a><\/li><li><a href=\"#rbl-bank-indian-oil-credit-card-charges\">RBL Bank IndianOil Credit Card Charges<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rbl-bank-indian-oil-credit-card-benefits\"><strong>RBL Bank IndianOil Credit Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/RBL-Bank-IndianOil-Benefits-1024x682.jpg\" alt=\"RBL Bank IndianOil Credit Card Benefits\" class=\"wp-image-85140\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/RBL-Bank-IndianOil-Benefits-1024x682.jpg 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/RBL-Bank-IndianOil-Benefits-300x200.jpg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/RBL-Bank-IndianOil-Benefits-150x100.jpg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/RBL-Bank-IndianOil-Benefits-768x512.jpg 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/02\/RBL-Bank-IndianOil-Benefits.jpg 1075w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Welcome Fuel Benefit:<\/strong> You receive 1,000 Fuel Points after one eligible retail spend above \u20b9500 within 30 days of card issue.<\/li>\n\n\n\n<li><strong>Annual Fee Waiver:<\/strong> An annual spend of \u20b91.75 lakh or more qualifies you for a \u20b9500 annual fee waiver. Only eligible retail spends count.<\/li>\n\n\n\n<li><strong>Fuel Surcharge Waiver:<\/strong> Fuel purchases between \u20b9500 and \u20b94,000 earn a surcharge waiver. You save up to \u20b9100 per month.<\/li>\n\n\n\n<li><strong>Credit Card on UPI:<\/strong> The RuPay variant lets you pay through UPI Scan &amp; Pay using your credit limit. Fuel Points apply as per card terms.<\/li>\n\n\n\n<li><strong>NCMC Travel Feature:<\/strong> The RuPay card supports NCMC for contactless travel. Tap at supported metro and transit networks across India.<\/li>\n<\/ol>\n\n\n\n<p><strong>Note:<\/strong> Transactions at small merchants follow separate reward eligibility rules under the card terms.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rbl-indian-oil-credit-card-reward-structure\"><strong>RBL IndianOil Credit Card Reward Structure<\/strong><\/h2>\n\n\n\n<p>Earn 10 Fuel Points for every \u20b9100 spent at IndianOil fuel stations using the <a href=\"https:\/\/webassets.rbl.bank.in\/document\/credit-cards\/kfs-500.pdf\" target=\"_blank\" rel=\"noopener\">RBL IndianOil Credit Card<\/a>. Accelerated points credit after bill generation.<\/p>\n\n\n\n<p>Get 1 Fuel Point for every \u20b9100 spent on non-fuel purchases. This applies across most everyday categories, excluding specified merchant groups.<\/p>\n\n\n\n<p><strong>Note:<\/strong> Points appear in statements and are redeemable on the RBL rewards portal.<\/p>\n\n\n\n<p>\ud83d\udca1Just as statements show your earned points, the <a href=\"https:\/\/piceapp.com\/\">Pice App<\/a> helps you stay on track by sending timely credit card bill payment alerts. Download the Pice App today!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"indian-oil-xtra-rewards-program\"><strong>IndianOil XTRA Rewards Program<\/strong><\/h2>\n\n\n\n<p>The IndianOil XTRA Rewards Program is a loyalty initiative by IndianOil Corporation Limited. It rewards purchases made at select IndianOil fuel stations and partner outlets.<\/p>\n\n\n\n<p>When you use your IndianOil RBL Bank Credit Card, you earn Fuel Points that can convert into <a href=\"https:\/\/cx.indianoil.in\/webcenter\/portal\/Customer\/pages_xtrarewards\" target=\"_blank\" rel=\"noopener\">XTRA Reward<\/a> Points for fuel savings.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How to Redeem XTRA Rewards at Fuel Stations?<\/strong><\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Visit a participating IndianOil XTRA Rewards outlet.<\/li>\n\n\n\n<li>Select Instant Redeem on the POS terminal.<\/li>\n\n\n\n<li>Choose XTRAREWARDS and enter the registered mobile number.<\/li>\n\n\n\n<li>Confirm the redemption amount to complete the transaction.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rbl-bank-indian-oil-credit-card-charges\"><strong>RBL Bank IndianOil Credit Card Charges<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Parameters<\/strong><\/td><td><strong>Charges<\/strong><\/td><\/tr><tr><td>Add-On Cards<\/td><td>\u20b9200<\/td><\/tr><tr><td>Card Replacement Fee<\/td><td>NIL<\/td><\/tr><tr><td>Finance Charges<\/td><td>Up to 3.99% p.m. or 47.88% p.a.<\/td><\/tr><tr><td>Cash Advance Fee<\/td><td>2.5% or min \u20b9500<\/td><\/tr><tr><td>Late Payment Fine<\/td><td>12.5% of outstanding amount (\u20b95\u2013\u20b91,300)<\/td><\/tr><tr><td>Overlimit Fee<\/td><td>NIL<\/td><\/tr><tr><td>Cheque Dishonour Fee<\/td><td>\u20b9500<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\ud83d\udca1Irrespective of which credit card you have, <a href=\"https:\/\/piceapp.com\/credit-card-bill-payment\/\">the Pice App<\/a> helps you pay your credit card bills and even track payment status. Download for a smooth experience.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>The RBL Bank IndianOil Credit Card suits frequent IndianOil customers seeking affordable fuel savings. With accelerated Fuel Points, surcharge waivers, UPI-enabled RuPay convenience, and a low annual fee with waiver potential, it delivers steady value for everyday driving, commuting, and routine spends across India for urban motorists nationwide and families.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1770187182961\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the RBL Bank IndianOil Credit Card best for?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It is best for frequent refuelling at IndianOil fuel stations with reward-backed savings.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770187241068\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">How many Fuel Points do I earn on IndianOil spends?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You earn 10 Fuel Points per \u20b9100 spent at IndianOil outlets.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770187277752\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are non-fuel spends rewarded on the RBL Bank IndianOil Credit Card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, you earn 1 Fuel Point per \u20b9100 on eligible non-fuel purchases.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770187296075\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the joining and annual fee?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The fee is \u20b9500 + GST, waived on annual spends of \u20b91.75 lakh.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1770187311376\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Where can I redeem Fuel Points earned on this card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Fuel Points are redeemable via the RBL rewards portal and XTRA Rewards outlets.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The RBL Bank IndianOil Credit Card is offered by RBL Bank in partnership with IndianOil Corporation Limited. It is one of two variants, the other being the IndianOil RBL XTRA Credit Card. This is the entry-level option, ideal for users who frequently refuel at IndianOil fuel stations. Cardholders earn high rewards on IOCL [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":85139,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-85135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85135","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=85135"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85135\/revisions"}],"predecessor-version":[{"id":85151,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/85135\/revisions\/85151"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/85139"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=85135"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=85135"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=85135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}