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AU Corporate Credit Card VS IndianOil RBL Bank XTRA Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

AU Corporate is a free business card centred on expense management and lounge access, with no personal fuel rewards program. IndianOil RBL Bank XTRA charges a steep ₹1,500 + GST but earns a genuine 7.5% reward rate at IndianOil pumps - built for individuals with heavy, concentrated IndianOil fuel spend. These aren't really competing for the same applicant: a business tracking team expenses should use AU Corporate's free tools, while a high-mileage individual IndianOil customer is the only profile for whom XTRA's fee makes sense.

AU Corporate Credit Card
AU Corporate Credit Card
IndianOil RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹1,500 + GST
Renewal FeeLifetime Free
Renewal Fee₹1,500 + GST
Spend Based Waiver
Spend Based WaiverAnnual fee waived on spends of ₹2.75 Lakh annually.
Foreign Transaction Fees2.99%
Foreign Transaction Fees3.5%
Interest Rate (APR)3.49% per month; 41.88% annually
Interest Rate (APR)2.5% to 3.99% Per Month

Rewards & Benefits

Welcome Bonus
Welcome BonusGet 3,000 Fuel Points (worth ₹1,500) on joining fee payment & ₹500 spend in 30 days.
Rewards Rate
Rewards Rate7.5% on fuel purchases at IndianOil outlets; 2 Fuel Points for every ₹100 on other spends.
Reward Type
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge AccessTwo complimentary visits to domestic airport lounges every quarter.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsComplimentary domestic airport lounge access and travel protections up to ₹50,000 for various travel inconveniences.
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹5,000, capped at ₹200 per statement cycle.
Fuel Surcharge Waiver1% Fuel Surcharge Waiver up to ₹200 each month.

Security & Other

Insurance BenefitsComprehensive insurance coverage, including air accident cover up to ₹50 lakhs and travel protections.
Insurance Benefits
Cash Advance Charges2.5% of the over-limit amount (minimum ₹500)
Cash Advance Charges2.5% of the Cash Amount or a Minimum of ₹500
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Corporate Credit Card

IndianOil RBL Bank XTRA Credit Card

Who is it for?

The AU Corporate Credit Card is a lifetime-free solution from AU Bank, designed to streamline business expense management. It offers significant cost savings with zero joining and renewal fees, alongside valuable benefits like complimentary domestic airport lounge access and a fuel surcharge waiver. Businesses also gain comprehensive insurance coverage and an integrated web-based tool for efficient expense tracking. This card is ideal for companies prioritizing financial efficiency, security, and simplified operations.

Who is it for?

The IndianOil RBL Bank XTRA Credit Card is a specialized fuel credit card designed for individuals seeking substantial savings on fuel expenses, particularly at IndianOil outlets. It offers an impressive 7.5% reward rate on fuel purchases, combined with a 1% fuel surcharge waiver, leading to a total savings of 8.5%. Cardholders also benefit from welcome Fuel Points and milestone rewards, making it an ideal choice for frequent fuel users who prioritize value back on their fuel spends.

Pros

Key benefits and features.

Integrated web-based tool for easy expense tracking and efficient management.

Zero liability for fraudulent transactions if the card is reported lost or stolen.

Enjoy significant cost savings with zero joining and renewal fees, making it a lifetime-free card.

Access complimentary domestic airport lounges twice every quarter for comfortable travel.

Benefit from comprehensive insurance coverage, including air accident cover up to ₹50 lakhs.

Pros

Key benefits and features.

Offers a high return of 7.5% on fuel purchases, a competitive rate among fuel cards.

Combined with the fuel surcharge waiver, total savings reach 8.5% on fuel.

Welcome benefits provide 3,000 Fuel Points, equivalent to ₹1,500 value.

Milestone rewards offer additional Fuel Points on achieving quarterly spend targets.

Cons

Key drawbacks and limitations.

The card lacks welcome benefits and any additional rewards programs for users.

A foreign currency markup of 2.99% can increase costs for international business transactions.

High annual interest rate of 41.88% makes carrying balances expensive for businesses.

Cons

Key drawbacks and limitations.

Lacks diverse benefits like lounge access or dining discounts, unlike other cards.

Comes with a joining fee of ₹1,500 + GST, which might deter some users.

Users have reported issues with redeeming Fuel Points at some IndianOil outlets.

Excludes many common spend categories like utilities and rentals from rewards.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for AU Corporate Credit Card(opens in new tab)Apply for IndianOil RBL Bank XTRA Credit Card(opens in new tab)