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]

I have gas connection with indane and same phone no. with indane too, I got this card approved yesterday and it will reach to me tomorrow, it's a mastercard. Not sure what benefit I'll get if I go for rupay as this card won't give any benefits if I do UPI trxn no?

I am logged in to Indian oil one app via iPhone. They have xtrapower app too, do I need that or login to that too?

Upi transaction is considered for reward above 2k Rs
Xtrapower app is for fleet operators, not general users.

 

[Sobirvs]

Upi transaction is considered for reward above 2k Rs
Xtrapower app is for fleet operators, not general users.

cool, I got the default mc variant and while in application, they never gave me any choice. what to do now?

 

[shashankverma]

cool, I got the default mc variant and while in application, they never gave me any choice. what to do now?

Nothing. Enjoy the card.

 

[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 -



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?

 

[Abhishek012]

I have gas connection with indane and same phone no. with indane too, I got this card approved yesterday and it will reach to me tomorrow, it's a mastercard. Not sure what benefit I'll get if I go for rupay as this card won't give any benefits if I do UPI trxn no?

I am logged in to Indian oil one app via iPhone. They have xtrapower app too, do I need that or login to that too?

Change to RuPay variant, Mastercard is RBL banks core network partner.

Visa/Mastercard won't provide card network-based offers as long as their market share doesn't decrease.

We Indians should support the RuPay card network.

It's not just about the offers—if you're using Mastercard without any extra offers, then you should also use RuPay Card without any extra offers.

 

[shashankverma]

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?

IOCL machine can be of any bank but will surely have Indian Oil logo on screen.
You will get 2 RP/100 on RBL card in couple of days.
Later in your statement you will see 13 bonus RP/100
1% Fuel Surcharge waiver a day after statement generation will be credited.

 

[Sobirvs]

IOCL machine can be of any bank but will surely have Indian Oil logo on screen.
You will get 2 RP/100 on RBL card in couple of days.
Later in your statement you will see 13 bonus RP/100
1% Fuel Surcharge waiver a day after statement generation will be credited.

Okay but what is the usual surcharge anyways? some stations charge even 2.5% no? idk, hence asking, is it a full waiver of surcharge? I know surcharge is upto 200/month but was wondering this. I put max 10k petrol anyways a month unless I'm going on a trip.

So I'll get 2rp/100(base points I guess?)
then 13 bonus/100 + ALSO THE ONE I GOT JUST NOW AT 1.33%?? Just wondering.

Even I though IOCL machine will have IOCL logo but this ICICI didn't have , later I got to know the logo is on the screen and not really on the machine plastic.

Change to RuPay variant, Mastercard is RBL banks core network partner.

Visa/Mastercard won't provide card network-based offers as long as their market share doesn't decrease.

We Indians should support the RuPay card network.

It's not just about the offers—if you're using Mastercard without any extra offers, then you should also use RuPay Card without any extra offers.

How to change it though? I am anyways fan of Rupay over mc/visa. For me it's amex>rupay>visa/mc.

 

[Abhishek012]

Okay but what is the usual surcharge anyways? some stations charge even 2.5% no? idk, hence asking, is it a full waiver of surcharge? I know surcharge is upto 200/month but was wondering this. I put max 10k petrol anyways a month unless I'm going on a trip.

So I'll get 2rp/100(base points I guess?)
then 13 bonus/100 + ALSO THE ONE I GOT JUST NOW AT 1.33%?? Just wondering.

Even I though IOCL machine will have IOCL logo but this ICICI didn't have , later I got to know the logo is on the screen and not really on the machine plastic.




How to change it though? I am anyways fan of Rupay over mc/visa. For me it's amex>rupay>visa/mc.

Dnt know RBL CC network conversion process but you can Call RBL customer care and tell them you want RuPay variant.

And tell them RBL Bank should have asked before issuing the card, as per RBI guidelines, which card network was required. RBL Bank didn't ask you.

 

[shashankverma]

Okay but what is the usual surcharge anyways? some stations charge even 2.5% no? idk, hence asking, is it a full waiver of surcharge? I know surcharge is upto 200/month but was wondering this. I put max 10k petrol anyways a month unless I'm going on a trip.

So I'll get 2rp/100(base points I guess?)
then 13 bonus/100 + ALSO THE ONE I GOT JUST NOW AT 1.33%?? Just wondering.

Even I though IOCL machine will have IOCL logo but this ICICI didn't have , later I got to know the logo is on the screen and not really on the machine plastic.




How to change it though? I am anyways fan of Rupay over mc/visa. For me it's amex>rupay>visa/mc.

Yes you got the correct points. Surcharge is 1%+GST=1.18% if you use official machine like the one you used and 1% will be refunded after statement. No refund of GST.
Logo is always on the screen.

 

[Sobirvs]

Yes you got the correct points. Surcharge is only 1% if you use official machine like the one you used and the same will be refunded after statement. Logo is always on the screen.

Including the GST?

Dnt know RBL CC network conversion process but you can Call RBL customer care and tell them you want RuPay variant.

And tell them RBL Bank should have asked before issuing the card, as per RBI guidelines, which card network was required. RBL Bank didn't ask you.

The thing is I have already used this card for 2 trxns. Will RBL still consider card conversion? and will I lose any points or incoming points in future for the 2 trxns I did?

 

[Abhishek012]

Including the GST?



The thing is I have already used this card for 2 trxns. Will RBL still consider card conversion? and will I lose any points or incoming points in future for the 2 trxns I did?

Dnt know bro about your 2 trxns points, ask RBL but im sure they also dnt know

You can tell them, you dnt know card is also available on RuPay. Also blame them that they dnt inform you before apply.

 

[Sobirvs]

Update : I did the trxn for 3714.98 at IOCL, today it was settled for the amount of 3758.82

I know surcharge waiver will come after statement but This is not 1% but more like 1.2%~ surcharge. Is this normal?

 

[deep@vie]

Update : I did the trxn for 3714.98 at IOCL, today it was settled for the amount of 3758.82

I know surcharge waiver will come after statement but This is not 1% but more like 1.2%~ surcharge. Is this normal?

That's 1.18(1%+gst which is 18%)

 

[shashankverma]

Update : I did the trxn for 3714.98 at IOCL, today it was settled for the amount of 3758.82

I know surcharge waiver will come after statement but This is not 1% but more like 1.2%~ surcharge. Is this normal?

It’s normal, I have updated the original post above with all details.

 

[Sobirvs]

That's 1.18(1%+gst which is 18%)

ah I apologize, I forgot about the gst component.

 

[sudeepg95]

This post helped me jump ship from IDFC Power+ to the RBL XTRA card.
Thanks OP!
Got the MC variant. (I think it's MC World?) They didn't give the choice during application either.

I'm from Bangalore, Begur area. Google reviews are full of people complaining about defective or manipulated nozzles/pumps. Personally, i did not notice any such issue. Most likely I'm less observant.

The pump executive's behavior isn't very good tbh. Keeping apart the Kannada vs Hindi problem, two of my concerns are that they don't ask for mobile number in the card machine; which apparently is required to get full rewards and the other is that they lie about normal petrol being unavailable, and that only their premium offering - the Xtra Premium - is available.

Fuel quality - in my subjective opinion - is worse than HP. I'm consistently getting lower mileage, approx 1kmpl less i guess. Haven't tried Xtra yet. With HP and their premium, i used to get 2kmpl over their normal variant.

From rewards standpoint -
I haven't received joining bonus of 3000 FP yet.
I've filled for about Rs 12K since i got the card and have ended up getting only 1000 FP or something, ~1%. Based on feedback here in this thread as well as in Reddit CreditIndia, i have sent out an email with all the details.
Haven't received a resolution so far.

 

[shashankverma]

This post helped me jump ship from IDFC Power+ to the RBL XTRA card.
Thanks OP!
Got the MC variant. (I think it's MC World?) They didn't give the choice during application either.

I'm from Bangalore, Begur area. Google reviews are full of people complaining about defective or manipulated nozzles/pumps. Personally, i did not notice any such issue. Most likely I'm less observant.

The pump executive's behavior isn't very good tbh. Keeping apart the Kannada vs Hindi problem, two of my concerns are that they don't ask for mobile number in the card machine; which apparently is required to get full rewards and the other is that they lie about normal petrol being unavailable, and that only their premium offering - the Xtra Premium - is available.

Fuel quality - in my subjective opinion - is worse than HP. I'm consistently getting lower mileage, approx 1kmpl less i guess. Haven't tried Xtra yet. With HP and their premium, i used to get 2kmpl over their normal variant.

From rewards standpoint -
I haven't received joining bonus of 3000 FP yet.
I've filled for about Rs 12K since i got the card and have ended up getting only 1000 FP or something, ~1%. Based on feedback here in this thread as well as in Reddit CreditIndia, i have sent out an email with all the details.
Haven't received a resolution so far.

If this pump isn’t giving you option to pay by IOCL machine by entering mobile number then better switch to another pump as you won’t get bonus RP.
You will get 3000 RP by next statement

 

[sumit_yadav]

I forgot about the gst component

Tai is everywhere! How can you forget

 

[Kuldeep khola]

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. View attachment 68713Remember 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
View attachment 68714
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 MastercardView attachment 68715
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.View attachment 69373

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.

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

 

[deep@vie]

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

Could be different obviously