IndianOil RBL Bank XTRA Credit Card

Get Your Credit Card Now

Eligibility Criteria of IndianOil RBL Bank XTRA Credit Card

To apply for an IndianOil RBL Bank Credit Card, applicants must meet the following eligibility criteria:

• Age: Applicants must be 18 years of age or older.
• Occupation: The card is available to both salaried and self-employed individuals.

Documents Required for IndianOil RBL Bank XTRA Credit Card

When applying for an RBL Bank Credit Card, you will need to provide the following documents to verify your identity, address, and income:

1. Proof of Identity:
   1. PAN Card
   2. Aadhaar Card
   3. Driver’s License
   4. Passport
   5. Voter’s ID
   6. Overseas Citizen of India Card
   7. Person of Indian Origin Card
   8. Job card issued by NREGA
   9. Letters issued by UIDAI or any other government-approved photo ID proof

1. Proof of Address:
   1. Aadhaar Card
   2. Driver’s License
   3. Passport
   4. Utility Bill (not more than 3 months old)
   5. Ration Card
   6. Property Registration Document
   7. Person of Indian Origin Card
   8. Job card issued by NREGA
   9. Bank Account Statement
   10. Any other government-approved address proof

1. Proof of Income:
   1. Latest one or two salary slips (not more than 3 months old)
   2. Latest Form 16
   3. Last 3 months’ bank statements

Get Your Credit Card Now

Fees and Charges of IndianOil RBL Bank XTRA Credit Card

The fees and charges of the IndianOil RBL Bank XTRA Credit Card are as follows:

Feature	Details
Membership Fee	Rs.1,500 + GST
Annual Fee Waiver	Waived if annual spending exceeds Rs.2,75,000

Note: Waiver is only applicable if the annual fee is paid upfront.

How to Redeem Fuel Points at IndianOil Stations

Redeeming fuel points at IndianOil stations is simple and can be done through the POS (Point of Sale) machine. Follow the steps described below for a seamless redemption experience:

1. Step 1: When you are ready to redeem your fuel points, start by pressing the ‘#’ button on the POS machine available at IndianOil fuel stations.
2. Step 2: From the options displayed on the POS machine, select the option labelled 'Instant Redeem' to proceed with the redemption process.
3. Step 3: In the 'Select Program' menu, choose the option ‘XTRAREWARDS’, which corresponds to the rewards program tied to your IndianOil RBL Bank XTRA Credit Card.
4. Step 4: After selecting 'XTRAREWARDS', click ‘OK’. You will then be prompted to enter your registered mobile number that is linked to your XTRAREWARDS account.
5. Step 5: Finally, enter the amount you wish to redeem using your available fuel points. Once the amount is confirmed, your fuel points will be applied to your transaction, reducing your fuel cost.

Grievance Redressal

The process for addressing grievances related to the IndianOil RBL Bank XTRA Credit Card is outlined in the table below:

Grievance Redressal	Details
Primary Contact	In case of any grievance or issue related to your IndianOil RBL Bank XTRA Credit Card, write to cardservices@rblbank.com for assistance.
Escalation Contact	If your issue is not resolved through the primary contact, you may escalate it by contacting the Principal Nodal Officer.
Principal Nodal Officer	Mr. Vikas Nigam is the Principal Nodal Officer for RBL Bank, handling escalated complaints and grievances.
Office Address	RBL Bank Ltd, Unit No. 306-311, 3rd Floor, JMD Megapolis, Sector – 48, Sohna Road, Gurugram – 122018, Haryana.
Email for Escalation	principalnodalofficer@rblbank.com
Contact Number for Escalation	You can reach the Principal Nodal Officer at 022 7143 2700 for further assistance with your complaint.

Important Note: Ensure that you have reached out to the primary contact (cardservices@rblbank.com) before escalating your issue to the nodal officer.  

Get Your Credit Card Now

Credit cards make payments easy for all expenses online and offline while offering various benefits

Find a Card >>

FAQs on IndianOil RBL Bank XTRA Credit Card

• Are there any cash advance charges associated with this card?

  Yes, if you use your IndianOil RBL XTRA Credit Card to withdraw cash, you will incur a cash advance fee of 2.5% of the amount withdrawn or a minimum fee of Rs.500, whichever is higher. This fee is applied to the amount of cash you take out using the credit card.

• Can Fuel Points be earned on railway, rental, utility, wallet, or government transactions?

  No, Fuel Points are not awarded for transactions related to railways, rentals, utilities, wallet payments, or government transactions. The credit card is designed to reward spending at IndianOil stations and on other eligible purchases, but these specific categories are excluded from earning Fuel Points.

• Does the card offer any complimentary airport lounge access?

  No, the IndianOil RBL XTRA Credit Card does not provide complimentary access to airport lounges. This card is primarily focused on fuel-related rewards and does not include perks such as free airport lounge visits, which are often found with other premium credit cards.

• How many Fuel Points can I earn on fuel purchases at IndianOil stations?

  You can earn 15 Fuel Points for every Rs.100 spent on fuel purchases at IndianOil stations. There is a cap of 2,000 Fuel Points that can be earned per month. This translates to a potential reward rate of 7.5% on your fuel spending at IndianOil.

• Is there a fee for redeeming Fuel Points?

  Yes, when you redeem Fuel Points at IndianOil outlets, a redemption fee of Rs.99 + GST applies. This fee is deducted from the value of the Fuel Points you use during the redemption process.

• Is there a fuel surcharge waiver with the IndianOil RBL XTRA Credit Card?

  Yes, the card offers a 1% waiver on the fuel surcharge, up to Rs.200 each month. This means you can save on the additional surcharge typically applied to fuel purchases, making refuelling a bit more economical.

• What are the interest rates on the IndianOil RBL XTRA Credit Card?

  The interest rates on the IndianOil RBL XTRA Credit Card range from 2.5% to 3.99% per month, depending on your credit profile and payment history. These rates apply to outstanding balances not paid in full by the due date.

• What is the joining fee for the IndianOil RBL XTRA Credit Card?

  The joining fee for the IndianOil RBL XTRA Credit Card is Rs.1,500 plus GST. This fee is charged when you first acquire the card and helps cover the cost of issuing and maintaining the card.

• What is the reward rate for other eligible purchases with the IndianOil RBL XTRA Credit Card?

  For purchases other than fuel at IndianOil stations, you earn 2 Fuel Points for every Rs.100 spent. This lower rate compared to fuel purchases reflects the card’s primary focus on rewarding fuel-related expenses.

• What is the value of 1 Fuel Point?

  Each Fuel Point is valued at Rs.0.50 when redeemed at IndianOil outlets. This means that the Fuel Points you accumulate can be used to reduce the cost of your fuel purchases at IndianOil stations.

• What are the welcome benefits of the IndianOil RBL XTRA Credit Card?

  Upon paying the joining fee and making a transaction of Rs.500 or more within the first 30 days of card issuance, you receive 3,000 Fuel Points. These points are worth Rs.1,500 and are awarded as a welcome benefit to new cardholders.

• Is there an annual fee for the IndianOil RBL XTRA Credit Card?

  Yes, there is an annual renewal fee of Rs.1,500 plus GST. However, this fee can be waived if you spend more than Rs.2,75,000 within a year on the card. This annual fee waiver helps to make the card more cost-effective for high spenders.