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.
High 7.5% valueback on fuel purchases at IndianOil outlets, making it highly competitive.
Opportunity to save up to 250 litres of free petrol each year through earned Fuel Points.
RuPay variant offers UPI linking and NCMC capabilities for enhanced convenience.
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 common credit card perks like lounge access, dining discounts, or accelerated rewards on other spends.
Reported issues with Fuel Point redemption at some IndianOil outlets due to lack of POS support.
Relatively high joining and renewal fees for a card primarily focused on fuel benefits.