IndianOil RBL Bank Credit Card: Features & Apply

Summary

Designed mostly for customers who often spend on gasoline, especially at Indian Oil gasoline stations, the value-packed Indian Oil RBL Bank Credit Card offers First of all, this card is among the primary draws because of the exceptional reward rate on fuel transactions—10 gasoline Points for every ₹100 spent at Indian Oil outlets. Over time, this basically equates to a 5% value return, a sizable savings.

Apart from the gasoline benefits, the card offers a 1% fuel charge waiver on transactions between ₹500 and ₹4,000, therefore maximizing fuel purchases. Furthermore, cardholders receive 1,000 bonus Fuel Points should they spend ₹500 throughout the first 30 days, therefore providing an early reward for new members.

Moreover, the ₹ 500 annual charge is quite acceptable; yet, should your annual spending come above ₹ 1.75 lakh, it is erased out. This suggests that consistent, wise use can make the card essentially free to use.

Introduction

Credit cards have evolved into a fundamental financial tool in today’s busy world, not only allowing us to track our spending but also offering several perks and benefits. The IndianOil RBL Bank Credit Card is one credit card that barely attracted notice. Those who frequently purchase fuel and wish to save money on it could find this card especially useful. Rising gasoline prices make having a credit card with cashback or reward points on fuel expenses very beneficial. The IndianOil Credit Card from Indian Oil RBL Bank seeks to do just this.

First of all, this credit card reflects close relations between RBL Bank, a top private sector bank, and Indian Oil, one of the biggest petroleum businesses in India. This mix offers the best of both worlds: quick money transactions and worthy advantages connected with fuels. The card is meant to fit both people who want to maximize daily consumption and typical gasoline consumers.

Furthermore, this card has numerous functions other than merely providing gasoline advantages. Although gasoline savings are the centerpiece, this card is a terrific all-rounder since users also get other great benefits, including reward points on shopping, eating, and utility bill payments. The 0% fuel charge at Indian Oil petrol stations also helps consumers to save a little bit extra every time they top off.

The Indian Oil RBL Credit Card also provides welcome perks, convenient E MI alternatives, and milestone awards. This implies that there are many ways to maximize extra value from your car, independent of your frequency of purchase or new user status. The card also fits nicely for people just beginning to establish their credit history since it offers reasonable costs and easy-to-use choices.

What is the IndianOil RBL Bank Credit Card?

Designed for people who routinely pay for fuel, the IndianOil RBL Bank Credit Card is a special form of credit card. It began with the cooperation of the well-known private bank RBL Bank and one of the largest fuel suppliers in India, Indian Oil. This card allows customers of Indian Oil petrol stations to save money every time they buy diesel or gasoline. Apart from that, it helps with dining, shopping, and bill paying.

Moreover, the card is supposed to give daily consumers additional value. For instance, swiping this card at gas stations earns reward points and a $0 fuel surcharge, thereby saving more on each refill. To further make your spending more pleasant, it also comes with welcome offers, bonus benefits, and simple EMI choices.

How is the design of the IndianOil RBL Bank Credit Card?

The design of the IndianOil RBL Bank Credit Card is creative and well-considered. The card’s modern gradient background first of all glides from orange to purple with great grace. The card prominently displays both brands at the top, and this striking color change not only makes it visually appealing but also reflects the partnership between IndianOil and RBL Bank.

Moreover, featured in the design are subtle concentric wave patterns that provide the front surface movement and depth. The card gains a dynamic look from these circular lines, which imply forward movement and vitality. Moreover, the implanted EMV chip is neat on the left side, ensuring safe transactions without compromising the attractive appearance of the card.

What are the benefits of the IndianOil RBL Bank Credit Card?

Fuel Benefits and Value-Back

• Capitated at 1,000 points/month (i.e., ~₹10,000 fuel/month), 10 Fuel Points for every ₹100 spent at Indian Oil stations (≈5% value back). 

• No cap; one Fuel Point per ₹100 on non-fuel spends (≈0.5%).

Welcome bonus

• Spending ₹500 within 30 days of card issuing results in 1,000 Fuel Points (worth approx. ₹500).

Waiver of Surcharge on Fuel

• 1% waiver on fuel transactions between ₹500–₹4,000, up to ₹100 per month.

Annual Waiver Fee

• Membership cost is ₹500 + GST.

• Spending ₹1.75 lakh in a year will increase the cost.

Simple Salvation

• Fuel Points redeemed at IOCL pumps using the POS XTRA Rewards program convert at 1 FP = ₹0.50. 

Ideal For

• Regular visitors to Indian Oil stations.

• Value-driven people looking for a low annual charge, substantial fuel savings.

What are the fees for the IndianOil RBL Bank Credit Card?

Here is a simple breakdown of the  IndianOil RBL Bank Credit Card fees.

Joining Fee	₹500 + GST
Annual Fee	₹500 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.99% per month (47.88 % annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an IndianOil RBL Bank Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get an IndianOil RBL Bank Credit Card?

The documents that you will have to submit to get the IndianOil RBL Bank Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the IndianOil RBL Bank Credit Card be used?

Here is the list of places where you can use it:

• With the IndianOil RBL Bank Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  IndianOil RBL Bank Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The IndianOil RBL Bank Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the IndianOil RBL Bank Credit Card?

The credit amount you can spend is what you are provided with when you have an IndianOil RBL Bank Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an IndianOil RBL Bank Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the RBL First Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by RBL First Bank; for instance, you can choose the IndianOil RBL Bank Credit Card.

• Just hover your cursor on the  IndianOil RBL Bank Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest RBL First Bank branch to apply for the IndianOil RBL Bank Credit Card.

• Request the credit card application form for the  IndianOil RBL Bank Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  IndianOil RBL Bank Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope through the RBL First Bank Card website, mobile app, or customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an IndianOil RBL Bank Credit Card in 2025 be the right choice?

Obtaining the IndianOil RBL Bank Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is amazing and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

RBL First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

All things considered, the IndianOil RBL Bank Credit Card is a well-designed card with the perfect balance of convenience, reward benefits, and fuel savings. Given that monthly costs usually increase and petrol prices always rise, this card is a brilliant tool to reduce part of the financial strain in the current world. Whether your daily commute is by car or bike, you often travel by car or bike, or you merely spend habitually on groceries, meals, and utilities, this card can truly assist in simplifying your life.

Moreover, this credit card offers one of the key benefits in terms of petrol rewards. Every time you refuel at an Indian Oil petrol station, you not only gain reward points but also a 1% fuel price waiver. This can indeed change things over time, particularly if your monthly budget includes consistent fuel expenses.

Apart from that, the card provides several other advantages, including contactless payment options, welcome incentives, milestone rewards, and the ability to convert large purchases into easy EMIs. These features make the card suitable not only for petrol users but also for those who want a flexible credit card for daily use.

Frequently Asked Questions (FAQ’s)