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RBL Bank
IndianOil RBL Bank Credit Card
MastercardEntryPoints
💰
Annual Fee
₹500
🎁
Reward Type
Points
🌍
Forex
3.5%
✈️
Lounge
0 dom · 0 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining Fee₹500
Annual Fee₹500
Min Monthly Income₹15,000
Rewards
Reward TypePoints
Base Rate0.75%
Point Value₹1/point
Category Multipliers
fuel iocl6%(cap ₹500)
Redemption Values
statement credit₹1/pt
Travel & Global
Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone
India-Specific
Fuel Surcharge✓ 1% waiver
Similar Cards
💡 Fee Waiver Strategy
Lifetime Free card - no fee ever.
✓ Lifetime Free Card
This card has no annual or renewal fee - ever. No spend targets needed.
⚖️ Breakeven Analysis
To recover the ₹500 annual fee at the base reward rate of 0.75%, you need to spend ₹66,667 annually.
🎯 Pro Tips
- ▸Built for IndianOil loyalists: accelerated rewards on IOCL fuel spends plus surcharge waiver.
- ▸Use this as a dedicated fuel card and route all non-fuel spends to a higher general-spend card.
- ▸Track monthly reward caps to avoid diluted returns once the accelerated slab is exhausted.
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹11,650
Effective Rate
1.0%
Ranked #74 of 173 cards#74
₹500 annual fee deducted from gross rewards value.
📊 Spending Scenarios - Real-World Returns
Daily Commuter (₹8k/mo fuel)
Monthly: ₹15,000 · Annual: ₹1,80,000
3.55%
Effective Return
other: ₹7,000/mofuel iocl: ₹8,000/mo
Annual Rewards Value₹6,390
After Fee (₹500)+₹5,890
Strong IOCL-focused returns with surcharge waiver support; base rewards on non-fuel spends remain modest.
🔄 Redemption Pathways - Value per Point
| Method | Value | Example | Best For |
|---|---|---|---|
| Statement CreditBEST | ₹1.00/pt | Automatic cashback | Fuel spenders |
🏷️ Best For
fuelcashbackco-branded