RBL Bank · Entry
IndianOil RBL XTra
Where it ranks across all 187 cards
#1 Fuel
7.5%
at IndianOil (IOCL) pump
direct
#46 Jewellery & watches
1.0%
direct
#53 Gaming
1.0%
direct
#58 Mobile / broadband
1.0%
direct
#69 Cabs & transit
1.0%
direct
#72 Other
1.0%
direct
#74 Health & pharmacy
1.0%
direct
#77 Electronics
1.0%
direct
#85 Hotels
1.0%
direct
#85 Movies & events
1.0%
direct
#85 Fashion
1.0%
direct
#86 Online shopping
1.0%
direct
#86 Food delivery
1.0%
direct
#86 Flights
1.0%
direct
#88 Groceries
1.0%
direct
#92 Dining out
1.0%
direct
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Points valued at ₹0.5/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
1.00%base rate
2 pts / ₹100
source
Source: IndianOil RBL XTra (bank site, verified Aug 2026) - rbl.bank.in - read 20 Aug 2026
15 Fuel Points / ₹100 at IndianOil (7.5% + 1% surcharge waiver)
7.50%this rule
15 pts / ₹100
how it works & source
Capped 2,000 Fuel Points/month at IOCL. Welcome 3,000 FP; quarterly ₹75K milestone adds 1,000 FP.
Source: IndianOil RBL XTra (bank site, verified Aug 2026) - rbl.bank.in - read 20 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on9 exclusions
Utility bills
earns nothing
Utilities earn no Fuel Points.
→ use HSBC Live+ here (10.0%)
detail & source
categories: Utility bills · MCCs: 4900
Source: IndianOil RBL XTra T&C (bank PDF) - webassets.rbl.bank.in - read 22 Aug 2026
Insurance
earns nothing
Insurance (and miscellaneous 5960) earn nothing.
→ use Axis Burgundy Private here (6.4%)
detail & source
categories: Insurance · MCCs: 6300, 6310, 5960
Source: IndianOil RBL XTra T&C (bank PDF) - webassets.rbl.bank.in - read 22 Aug 2026
Train tickets
earns nothing
Railways earn nothing (bank also lists code 0066).
→ use IRCTC SBI Card here (10.0%)
detail & source
categories: Train tickets · MCCs: 4011, 4112
Source: IndianOil RBL XTra T&C (bank PDF) - webassets.rbl.bank.in - read 22 Aug 2026
Education
earns nothing
Education earns nothing.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Education · MCCs: 8220, 8244, 8249, 8211, 8241, 8299
Source: IndianOil RBL XTra T&C (bank PDF) - webassets.rbl.bank.in - read 22 Aug 2026
Wallet load
earns nothing
Wallets/service providers earn nothing.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540
Source: IndianOil RBL XTra T&C (bank PDF) - webassets.rbl.bank.in - read 22 Aug 2026
Government / tax
earns nothing
Government services earn nothing (bank also lists 1490/2490/2995/7800).
→ use FIRST Private here (6.6%)
detail & source
categories: Government / tax · MCCs: 9400, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223
Source: IndianOil RBL XTra T&C (bank PDF) - webassets.rbl.bank.in - read 22 Aug 2026
Rent
earns nothing
Real estate/rental earns nothing; contracted-services MCCs (1711/1740/1520/1750/1761/1771/1799 etc) too.
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: IndianOil RBL XTra T&C (bank PDF) - webassets.rbl.bank.in - read 22 Aug 2026
MCC 6050, Quasi-cash - foreign currency, money orders, crypto +3 more
earns nothing
Quasi-cash and cash earn nothing.
→ use FIRST Private here (6.6%)
detail & source
MCCs: 6050, 6051, 4829, 6011, 6010
Source: IndianOil RBL XTra T&C (bank PDF) - webassets.rbl.bank.in - read 22 Aug 2026
EMI
earns nothing
EMI conversions and Bills2Pay excluded; same list applies to the fee-waiver and quarterly milestone spends.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
Offline RuPay UPI under ₹2,000 at small merchants earns nothing.
categories: EMI
Source: IndianOil RBL XTra T&C (bank PDF) - webassets.rbl.bank.in - read 22 Aug 2026