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RBL Bank
5% back at IndianOil for a Rs. 590 fee waived at Rs. 1,75,000 of annual spending
One-time
Waived on ₹1,75,000/yr
Capped at ₹500/month
Score 700+
Applying takes you to RBL Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from RBL Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromFuel
Pays up to ₹500 a month — reached at about ₹5,000 of spend
Everything else
No published ceiling on this tier
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Fuel — IndianOil stations, capped at 1,000 Fuel Points a month — about Rs. 500 of value., up to ₹500 per month.
Biggest limitation
The 10-point fuel rate stops at 1,000 Fuel Points a month, about Rs. 10,000 of fuel. Past that, fuel earns the 1-point base rate.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10 pts
cappedFuel
Pays up to ₹500 per month — reached at about ₹5,000 of spend.
IndianOil stations, capped at 1,000 Fuel Points a month — about Rs. 500 of value.
1 pts
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹590 | — |
| Annual / renewal fee | ₹590 | Rs. 500 + GST annual membership fee waived on annual spends of Rs. 1,75,000 |
| Cash withdrawal | 2.5% | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 12.5% | 12.5% of the total outstanding, minimum Rs. 5 and maximum Rs. 1,300 |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹1,75,000 a year
is what it takes to keep the ₹590 fee off — about ₹14,583 a month
We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.
We do not have fuel surcharge waiver recorded for this card. Check the issuer's page before relying on it.
We do not have upi payments recorded for this card. Check the issuer's page before relying on it.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
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RBL BankRBL Bank NOVA Credit Card₹14,750
RBL BankRBL Bank Shoprite Credit Card₹590
RBL BankIndianOil RBL Bank XTRA Credit Card₹1,770
RBL BankRBL Bank Platinum Maxima Credit Card₹2,360
RBL BankRBL Bank Icon Credit Card₹5,900
ICICI BankICICI Bank Parakram Credit CardLifetime free| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IndianOil RBL Bank Credit Card · this card | ₹590 | 10% fuel | Not recorded |
| RBL Bank NOVA Credit Card | ₹14,750 | Up to 12 reward points per ₹200 | Included |
| RBL Bank Shoprite Credit Card | ₹590 | Up to 20 reward points per ₹100 | No |
| IndianOil RBL Bank XTRA Credit Card | ₹1,770 | Up to 7.5% rewards | No |
| RBL Bank Platinum Maxima Credit Card | ₹2,360 | Up to 10 reward points per ₹100 | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹590 plus GST, waived on ₹1,75,000 of annual spend.
The strongest published rate is 10% on fuel, capped at ₹500 per month — so roughly ₹5,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
We do not have lounge details recorded for this card. Check the issuer’s page.
We do not have UPI details recorded for this card.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
Redeemed at IndianOil fuel stations at Rs. 0.50 a Fuel Point
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IndianOil RBL Bank Credit Card — 10% on fuel, up to ₹500 per month. ₹590 a year.