Offer Fulfilled! Received IndianOil RBL Xtra RUPAY Select Credit Card | No CIBIL Hit

[shashankverma]

I finally decided to apply for Rbl IndianOil Xtra Credit card today. https://www.rblbank.com/personal-banking/cards/credit-cards/indianoil-rbl-bank-xtra-credit-card/
The application took Basic info and generated application number. Remember to click the "here" link right on this page to complete KYC or your application will get stuck. (Copy link and open in web browser if it's not working) Better to use Laptop.
It will ask you to fill lots of details before activating Vkyc link. This link will also be then sent to mobile phone which can be completed in between 09:30 AM - 11:00 PM (Mon-Sun)
Once Vkyc is complete, wait for 30 minutes and then check application status https://applications.rblbank.com/track-application-status
If the card is approved the status will convert to Card boarded

In a couple of hours the card should be visible on RBL Mobank app if you already have it through savings account. If you have an Existing Credit card like me, your Credit Limit would be floater/shared with the old card Example: If you had 4 lac limit on old card then this card will also show CL of 4 Lac, however the total Available Limit would be 4 Lac combined for all cards.
Now you can use app like Cred to try and add RBL Credit card on UPI.
If you are lucky to get Rupay card then it will show else assume you were issued Mastercard
Also, I hold Savings Account and RBL Play Credit card with CIBIL of 800
I do not see any CIBIL hit until now.

Received card from the Slowest Courier Service Delhivery. They are pathetic.
It’s Rupay Select with no select benefits 😂
Also, Rewards and Milestone benefits on UPI are only eligible for transactions above 2k Rs, but big UPI transactions can help you achieve quarterly benefit of 1000 RP on spending 75k in a quarter along with Annual fee waiver of 1770 Rs on reaching 2.75 Lacs

Upvote and Like the post if it was helpful.

Important: RBL IOCL Card must be swiped at IOCL machine only (These machine have IndianOil logo on display screen) after giving your mobile number (0.4% extra Cashback as 1 XRP/75 Rs will be visible on IOCL App), if you swipe the card on IOCL Paytm machine no Bonus points will get credited by RBL Bank and you will just get Basic 2RP/100Rs.

Total paid minus 1.18% swiped at IOCL machine (Only on amount that was captured by IOCL app i.e. Without fuel Surcharge and GST) will be eligible for 2 RP/100 Rs within 2 days and later 13 Bonus RP/100 Rs will be credited at the time of Statement generation.
1 RBL RP=0.5 Rs after XRP conversion

1% Fuel Surcharge waiver will get credited after statement generation, 0.18% GST won't be refunded.

Also, converting RBL RP to IOCL XRP has a charge of Rs 99+ GST so keep collecting points and convert to XRP only when you have good amount.
1XRP=0.30 Rs at Indian Oil.

 

[shashankverma]

Bro for video kyc
Current address as per aadhar is compulsory.?
Yha current address and aadhar address defferent ho sakta h?

They will check current location by your GPS so that should match i.e. your current address in form and GPS location should match.

 

[Sobirvs]

Already can see debit card on the app now. Idk why savings acc doesn't show as wealth though. Card yet to be delivered.

 

[shashankverma]

Anyone received extra reward points over 2000 max in a month?
I mean if fuel transactions are 13k that would reach maximum cap of 2k rewards but then if shopping expenses are 10k in same month will we get another 200 RP? Making total to 2200 RP?

 

[Sobirvs]

I did trxn on 2nd this month and attached ss's show these points at IOCL Loyalty xtrareward website and RBL reward website, is this correct?

 

[akodle]

I have the MC variant of this card. If I get it converted to RuPay, will I be be getting the same benefits (15RPs/100 /-) as the MC variant, even if I pay by UPI?

 

[Abhishek012]

I have the MC variant of this card. If I get it converted to RuPay, will I be be getting the same benefits (15RPs/100 /-) as the MC variant, even if I pay by UPI?

Dnt know about the UPI spend but direct RuPay CC spend - Yes.

 

[Sobirvs]

Dnt know about the UPI spend but direct RuPay CC spend - Yes.

what about contactless trxn?

 

[Sobirvs]

what about contactless trxn?

Just did contactless trxn today. Let's see if I get bonus or not.

 

[Sobirvs]

Anyone received extra reward points over 2000 max in a month?
I mean if fuel transactions are 13k that would reach maximum cap of 2k rewards but then if shopping expenses are 10k in same month will we get another 200 RP? Making total to 2200 RP?

Source : https://www.rblbank.com/personal-ba...vhtmv4utbxw3kwlszwvmnpeynpkrqsdbv1yhjsw544flk

 

[Abhishek012]

View attachment 78144

Source : https://www.rblbank.com/personal-ba...vhtmv4utbxw3kwlszwvmnpeynpkrqsdbv1yhjsw544flk

Anyone received extra reward points over 2000 max in a month?
I mean if fuel transactions are 13k that would reach maximum cap of 2k rewards but then if shopping expenses are 10k in same month will we get another 200 RP? Making total to 2200 RP?

I dnt think so fuel company like IOCL is small merchant 🤣🤣

Reward points and other benefits are also eligible for UPI transaction under 2k but only for big and large merchants.

The Indian Oil Corporation Limited (IOCL) reported a revenue from operations of ₹8,66,345 crores for the financial year 2023-24. This is a decrease from the previous year's revenue of ₹9,34,953 crores.

 

[Sobirvs]

I dnt think so fuel company like IOCL is small merchant 🤣🤣

Reward points and other benefits are also eligible for UPI transaction under 2k but only for big and large merchants.

The Indian Oil Corporation Limited (IOCL) reported a revenue from operations of ₹8,66,345 crores for the financial year 2023-24. This is a decrease from the previous year's revenue of ₹9,34,953 crores.

I am not talking about IOCL dude. 7.5% XTRAREWARDS are available for swipe card trxns, not for UPI. UPI rewards are not for "small" merchants, ofc IOCL is not small however it doesn't make sense to use IOCL card via UPI at IOCL. Better is for swipe, not UPI afaik.

 

[Sobirvs]

Just did my 1st petrol trxn of 3700 something at IOCL petrol, in machine I asked is it IOCL machine, the guy said it's ICICI machine. I got confused, I asked does it ask for Mob no, he said yes. I put in my ph no in the machine myself and clicked submit but it gave server error. The guy took the machine and asked for my card, I said but it's not accepting my mob no, he said it's fine, give the card, and then I asked him no and told me to get another machine (just to be sure). His superior came and said don't worry you will get xtra points and asked for my card, I reluctantly gave the card and instantly before even RBL sent me SMS for the trxn, ICICI sent me a SMS(coz the machine was of ICICI) and it was written I spent 3714 rs for petrol and said my xtrarewards loyalty points is 56.79 before this purchase. I remembered I have an indane gas connection too so prolly I got xtrarewards coz of it before? or I paid at IOCL petrol pump before too, idk.

Checked on the IOCL website and it shows me this (shows only last 180 days trxns at IOCL -

View attachment 76191

So I got 1.33% points? Not understanding, but I guess once my statement generates on 20th, will prolly know better.

Btw I had a Q - do I get full rewards/accelerated rewards also if I just do touch trxns with the card and machine? or the card has to be put inside the machine?

I am on my 2nd month trxns now. My billing cycle is 20th of every month(bill generation date). RBL IOCL card is really shitty tbh. I just did a trxn today at the same pump for nearly the same amount. Now when I check at https://cx.indianoil.in/webcenter/portal/Customer/pages_loyaltytransactions , it shows points earned is 0 attached below. I got 49 pts in last trxn. So why 0???? what's happening..!!!





Also my statement has been generated. I don't understand how the reward pts are calculated here. I did my 1st trxn at municipal corp, I am guessing it won't give any pts which is fine, it is a govt spend so but idk, it shows as "misc spend" on statement under spending pattern... I shouldn't have used this card for that trxn. But guru service station (IOCL petrol) should give pts right? Now I have edited this below SS so it fits in one picture so don't mind the edit thinking it is fake bill lol it's not, it's just edited by me. Now, for the trxn 3758.82 (Which includes surcharge), I got 75 pts right away when I did the trxn even before statement generation and when statement generated, it shows on the bottom I got bonus pts of 481, is this correct? and how do I convert these points (which I am guessing it is called fuel pts) to xtrareward pts?, btw these 481 pts are just showing in statement but in left side it just shows 75 pts. I went to rbl reward website and it shows these pts as "adjusted" but my total balance of pts is just 75. When will these be credited??? I have attached SS's for both bill and rbl website rewards bal.







Also, when will I get waiver for surcharge? I thought it would come within 1 day after statement generation but it's 4th day today and it hasn't come yet. Will I get sms for surcharge waiver??

Also my recent trxn in same pump which i did, I didn't check the machine but the guy asked me my phone number which I gave and I did "contactless" trxn via card so I am sure it is fine. But I didn't get icici msg for the trxn. Last time I got 3 sms, one from RBL for trxn, 2nd from ICIIC as the trxn was done at icici terminal and 3rd from xtrarewards iocl msg. This time I got only from rbl and iocl.

I am guessing the 3000 pts I am yet to receive will come after 2-3 months as I paid my bill which includes membership fees just like 4 days back.

 

[leonneel]

So I applied 2 weeks ago and got approved as I have rbl cookie with 4.8L limit and got this card as shared limit.
Now I was issued mastercard varient and done a few txn (not fuel txn) 2 days ago called customer care and asked why issued mastercard and not rupay so he told wait request taking ...then in 2 days got rupay varient... Now although both cards showing in app but I see all txn transferred to rupay varient...also noticed mastercard one bill was generated and since all txn transferred I could pay bill entering upay varient card last 4 digit in bbps.
Also don't know why 1500 +gst which was changed was reversed ...does this mean I wont get the 1500 worth fuel anymore as charges reversed?

 

[leonneel]

Also something to notice... We get 15rp /100 but it is wise to fuel for atleast 500 as surcharge waiver happens after 500 rs txn to utilise full 7.5% benefit.

 

[kuchbhi]

Also something to notice... We get 15rp /100 but it is wise to fuel for atleast 500 as surcharge waiver happens after 500 rs txn to utilise full 7.5% benefit.

T u r u

 

[Abhishek012]

I am not talking about IOCL dude. 7.5% XTRAREWARDS are available for swipe card trxns, not for UPI. UPI rewards are not for "small" merchants, ofc IOCL is not small however it doesn't make sense to use IOCL card via UPI at IOCL. Better is for swipe, not UPI afaik.

Fuel purchases are easier with RuPay CC UPI. Some of them don’t even have POS machines at times.

Axis IOCL RuPay Credit Card also gives fuel rewards on UPI fuel payments, and I think BOB HPCL RuPay Credit Card too.

 

[Sobirvs]

Fuel purchases are easier with RuPay CC UPI. Some of them don’t even have POS machines at times.

Axis IOCL RuPay Credit Card also gives fuel rewards on UPI fuel payments, and I think BOB HPCL RuPay Credit Card too.

Question is, if you swipe b/w 500 to 2000 at IOCL, does it give 8.5% xtrarewards?

 

[leonneel]

Question is, if you swipe b/w 500 to 2000 at IOCL, does it give 8.5% xtrarewards?

7.5% reward rate+1% surcharge waiver so basically u get 7.5% benefit and not 8.5% as advertised , even less if u fuel up below 500 and don't get surcharge waiver. Another downside is 99+gst redemption charge which we don't get on hdfc iocl or sbi bpcl.

 

[Sobirvs]

7.5% reward rate+1% surcharge waiver so basically u get 7.5% benefit and not 8.5% as advertised

7.5% is fine but afaik rewards are given only on physical card swipe, not on UPI trxn. Someone needs to confirm this with proof of statement showing bonus pts on upi trxn.