Cards · RBL Bank

IndianOil RBL Bank Credit Card: rewards, caps and exclusions

The IndianOil RBL Bank Credit Card pays about 1% on IndianOil fuel stations, on the first ₹10,000 of spend a cycle, and 0.1% on everything else. Below is every rate, cap and exclusion in RBL Bank's published terms, as we last checked them on 9 October 2026.

Mastercard, RuPay₹500 a yearPaid in points

What it earns

≈1%IndianOil fuel stationson the first ₹10,000 of spend a cycle

≈0.1%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹0.1 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Utility bills
Insurance premiums
Cash withdrawals and fees
Money transfers
Railway bookings
Rent
Education fees
Wallet loads
Government payments
EMI conversions

What costs extra

Worse than earning nothing: RBL Bank charges a fee for these.

1% on Fee on Rental Transactions, plus GST
1% on Fee on Utility Spends, plus GST

Fees

Annual fee: ₹500, plus 18% GST
Joining fee: ₹500
Annual fee waived on ₹1,75,000 of spend in a card year

Welcome benefit: 1,000 Fuel Points on paying the joining fee and spending ₹500 within 30 days.

Where this comes from

Transcribed from RBL Bank's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with RBL Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

We know this card's rules, but we don't read RBL Bank's mail yet, so the audit can't check your swipes on it. Which banks we read

Other RBL Bank cards

IndianOil RBL Bank XTRA Credit Card

≈1.5% on IndianOil fuel stations

IRCTC RBL Bank Credit Card

≈2.5% on Train ticket booking of all classes from IRCTC Website/ IRCTC Mobile App (online)

RBL Bank Apex Credit Card

2% on Flights, Hotels, Shop & Vouchers on rewards.rbl.bank.in (online)

RBL Bank Cookies Credit Card

10% on Myntra, Uber & Zomato

RBL Bank Jalsa Credit Card

5% on Myntra, Swiggy, Zomato, Meesho, Urban Company, Flipkart, Zepto, Blinkit, Ajio

RBL Bank NOVA Credit Card

≈6% on Flight bookings, Hotel bookings and E-Gift Card purchases through nova.rbl.bank.in (online)

RBL Bank Platinum Maxima Plus Credit Card

≈2.5% on Food, Groceries, Entertainment

RBL Bank Shoprite Credit Card

≈5% on Groceries

RBL Bank World Safari Credit Card

≈1.25% on Transport

Every card we have rules for