IndianOil RBL XTra

Entry

RBL Bank

Where it ranks · across all 71 cards

🥇 Fuel7.5%at IndianOil (IOCL) pumpdirect#43 Online shopping1.0%direct#47 Groceries1.0%direct#47 Dining out1.0%direct

Reward rules

Points valued at ₹0.5/pt - conservative, what rankings use

Base rate - everything not covered below

2 pts / ₹100= 2 pts per ₹100

1.00%

conservative value

15 Fuel Points / ₹100 at IndianOil (7.5% + 1% surcharge waiver)

15 pts / ₹100= 15 pts per ₹100

7.50%

conservative value

2,000 pts/month

Capped 2,000 Fuel Points/month at IOCL. Welcome 3,000 FP; quarterly ₹75K milestone adds 1,000 FP.

₹75,000 / quarter

1,000 Fuel Points

worth ≈ ₹500

⊘ Utilities earn no Fuel Points.4900bank MCC list→ use Airtel Axis Bank here (10.0%)
⊘ Insurance (and miscellaneous 5960) earn nothing.6300 6310 5960bank MCC list→ use Axis Burgundy Private here (4.5%)
⊘ Railways earn nothing (bank also lists code 0066).4011 4112bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
⊘ Education earns nothing.8220 8244 8249 8211 8241 8299bank MCC list→ use Axis Magnus for Burgundy here (10.5%)
⊘ Wallets/service providers earn nothing.6540bank MCC list→ use SC Ultimate here (3.3%)
⊘ Government services earn nothing (bank also lists 1490/2490/2995/7800).9400 9406 9222 9405 9399 9211 9402 9401 9311 9223bank MCC list→ use Axis Burgundy Private here (4.5%)
⊘ Real estate/rental earns nothing; contracted-services MCCs (1711/1740/1520/1750/1761/1771/1799 etc) too.6513bank MCC list→ use Axis Burgundy Private here (4.5%)
⊘ Quasi-cash and cash earn nothing.6050 6051 4829 6011 6010bank MCC list→ use Axis Burgundy Private here (4.5%)
⊘ EMI conversions and Bills2Pay excluded; same list applies to the fee-waiver and quarterly milestone spends. Offline RuPay UPI under ₹2,000 at small merchants earns nothing.