HDFC Bank Titanium Edge Credit Card VS IndianOil RBL Bank XTRA Credit Card
These sit at opposite ends of the fee spectrum. HDFC Bank Titanium Edge is free with only a modest, capped fuel waiver and no brand tie-in. IndianOil RBL Bank XTRA charges ₹1,500 + GST but earns a genuine 7.5% reward rate (8.5% with the surcharge waiver) at IndianOil pumps specifically. Unless you're a high-volume IndianOil customer who can recover that fee through fuel rewards alone, Titanium Edge's zero cost makes it the more practical everyday card.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank Titanium Edge Credit Card
IndianOil RBL Bank XTRA Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Zero joining fee and easily waivable renewal fee makes it budget-friendly.
Offers accelerated rewards on dining, making it good for foodies.
Provides a decent 1% fuel surcharge waiver, saving money on fuel expenses.
Comes with EMV chip and zero liability protection for secure transactions.
An interest-free period of up to 50 days helps manage your monthly finances better.
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.
Lack of premium benefits like airport lounge access and comprehensive travel features.
A redemption fee of Rs. 99 applies for most reward point redemptions.
High foreign currency markup of 3.5% makes international spending expensive.
The card offers no specific welcome benefits, which some users might expect.
Reward points are only valid for two years, requiring timely redemption.
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.