IndianOil RBL Bank XTRA Credit Card

1. Welcome Offer: Earn 3,000 fuel points upon spending Rs.500 in a single transaction within the first 30 days of card issuance. Additionally, you will receive 1,000 fuel points when you spend Rs.75,000 in a quarter, making it easy to kick-start your savings journey.
2. Accelerated Fuel Points: Get 15 fuel points for every Rs.100 spent at IndianOil fuel stations, with a monthly cap of 2,000 fuel points. This allows cardholders to maximise their fuel savings while filling up at IndianOil stations. For all other purchases, including dining, shopping, and entertainment, earn 2 fuel points for every Rs.100 spent, ensuring that even non-fuel expenses contribute to your rewards.
3. Redemption Value: Fuel points are highly valuable, with 1 fuel point equalling Rs.0.5 when redeemed for XTRA Rewards at IndianOil stations. This translates into direct fuel savings, helping you cut down on fuel expenses over time.
4. Annual Fee Waiver: Spend Rs.2,75,000 annually on your IndianOil RBL Bank XTRA Credit Card, and the annual fee will be waived, making this card a cost-effective choice for high spenders who regularly use it for fuel and other purchases.
5. Fuel Surcharge Waiver: Enjoy a 1% fuel surcharge waiver of up to Rs.200 each month, providing additional savings on fuel purchases and ensuring that your refuelling experience remains cost-effective.
6. RuPay Network Benefits: The IndianOil RBL Bank XTRA Credit Card, available on both MasterCard and RuPay networks, offers the added advantage of the National Common Mobility Card (NCMC) feature on RuPay, enabling seamless travel and purchases across various transport modes. Additionally, RuPay cardholders can link their card to UPI for easier digital payments. However, note that offline UPI transactions under Rs.2,000 at small merchants are not eligible for rewards, milestones, or voucher benefits.
7. Maximum Savings: Cardholders can enjoy up to 250 litres of free petrol annually by accumulating fuel points, translating into significant savings. With an 8.5% valueback at IndianOil stations, this card ensures that you get more value for every rupee spent on fuel.

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:

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

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 Job card issued by NREGA
8. Bank Account Statement
9. Any other government-approved address proof

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

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:

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

How to Apply for the IndianOil RBL Bank XTRA Credit Card

1. Step 1: Navigate to the Application Page 

To begin, open the related page for the IndianOil RBL Bank XTRA Credit Card on the RBL Bank company website and find the ‘Apply Now’ button to proceed with the application process. 

1. Step 2: Fill the Form 

Next, an online application form will appear, and you may also notice a brief notice or disclaimer on the page. Please read them carefully and click all boxes to provide any necessary consents or authorisation to support proceeding to the form. 

1. Step 3: Complete Personal Information 

You must complete personal information just as it appears on your governing documents. Your information includes your complete name, gender, date of birth, PAN card number, mobile number, email, and city. Precise information is critical in the application process to avoid delays in the verification process. 

1. Step 4: Confirm Contact Information 

You will receive OTPs (One-Time Passwords) to both your mobile number and email. You must enter both unique numbers to confirm your contact information. This step is to ensure you will receive any updates on any notifications regarding your application. 

1. Step 5: Fill in Your Address  

Enter your complete residential address, including your locality, city, and PIN code. If your correspondence address is the same as your residential address, you can simply check the appropriate box to save time. 

1. Step 6: Fill in Employment and Income Details 

Indicate whether you are salaried or self-employed. Enter the name of the company (or type of business) accurately and specify your monthly income (if salaried, your monthly income should be compared to payslips). This information helps the bank determine your eligibility and creditworthiness. 

1. Step 7: Agreeing to Legal Terms and Conditions 

Review the Card Member Declaration, Terms & Conditions and Card Member Agreement carefully. Check the boxes to agree to these terms and any credit check that needs to be done. 

1. Step 8: Submit the Application

Check all information to ensure its accuracy, then submit. Make sure you make a note of the reference number - you can use this to track the progress of the application. 

1. Step 9: Monitoring your Application Status 

The bank will then process your application, verify the documents submitted, and will contact you if they need any further information. If your application is approved and you are granted a card, it will be sent to you in the post along with instructions on how to activate and commence using the card. 

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. 

1. Step 2: From the options displayed on the POS machine, select the option labelled 'Instant Redeem' to proceed with the redemption process. 

1. 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. 

1. 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. 

1. 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:

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

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