Skip to main content

ICICI Bank HPCL Coral 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.

Features

ICICI Bank HPCL Coral Credit Card
ICICI Bank HPCL Coral Credit Card
IndianOil RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card

Fees & Charges

Joining Fee
₹199 + GST
₹1,500 + GST
Renewal Fee
₹199 + GST
₹1,500 + GST
Spend Based Waiver
Annual fee waiver on spending ₹50,000 or more in an anniversary year.
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Foreign Transaction Fees
3.5% of transaction amount.
3.5%
Interest Rate (APR)
3.4% p.m. (40.8% p.a.) overall, 3.75% p.m. for ATM cash/min. due payments.
2.5% to 3.99% Per Month

Rewards & Benefits

Welcome Bonus
Not Applicable
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance.
Rewards Rate
Earn 2 RP/₹100 on retail, 1 RP/₹100 on utility/insurance, 6x-12x on iShop.
Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + taxes per redemption request.
₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
Not applicable
International Lounge Access
Not Applicable
Not applicable
Travel Benefits
Not Applicable
Not applicable
Movie Benefits
25% discount on movie tickets up to ₹100, twice/month via BookMyShow on 2+ tickets.
Not applicable
Dining Benefits
Up to 15% discount on dining across 800+ partner restaurants via Culinary Treats Programme.
Not applicable
Golf Benefits
Not Applicable
Not applicable
Fuel Surcharge Waiver
1% waiver on fuel surcharge at HPCL pumps for transactions ₹400-₹4,000 and ₹4,000+.
1% Fuel Surcharge Waiver up to ₹200 Each Month.

Security & Other

Insurance Benefits
Not Applicable
Not applicable
Cash Advance Charges
2.5% of amount withdrawn, minimum ₹300.
2.5% of the Cash Amount or a Minimum of ₹500.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank HPCL Coral Credit Card

IndianOil RBL Bank XTRA Credit Card

Who is it for?

The ICICI Bank HPCL Coral Credit Card is a co-branded card offering significant savings on fuel at HPCL pumps, along with attractive discounts on movies and dining. With low fees and an easy waiver condition, it's ideal for vehicle owners seeking value in everyday spending and entertainment. Its flexible reward system further enhances its appeal.

Who is it for?

The IndianOil RBL Bank XTRA Credit Card is a specialized fuel card offering substantial savings at IndianOil outlets. It provides a high reward rate of 7.5% (15 Fuel Points per ₹100 spent) and, with the fuel surcharge waiver, delivers an 8.5% value back. Ideal for frequent fuel purchasers, this card can help save significantly on annual fuel expenses, potentially earning points equivalent to 250 liters of free petrol.

Pros

Key benefits and features.

Significant savings of up to 3.5% on fuel purchases at all HPCL petrol pumps.

Features a low joining and annual fee of just ₹199 + GST, making it economical.

Easily waive the annual fee by spending ₹50,000 or more in an anniversary year.

Enjoy attractive discounts on movie tickets via BookMyShow and dining offers.

Reward points are flexible, redeemable for various products, vouchers, or fuel.

Pros

Key benefits and features.

High 7.5% reward rate on fuel purchases at IndianOil stations, leading in its segment.

Substantial annual fuel savings, equivalent to 250 liters of free petrol annually.

Welcome benefits worth ₹1,500 effectively offset the joining fee for new cardholders.

Cons

Key drawbacks and limitations.

A relatively high foreign currency markup of 3.5% for international transactions.

High interest rates applicable on cash advances and outstanding balances.

Fuel purchases do not earn standard reward points, only specific cashback/waiver.

A redemption fee of ₹99 plus taxes is charged for each reward point redemption request.

Lacks premium travel benefits such as domestic or international lounge access.

Cons

Key drawbacks and limitations.

Limited diversified benefits, lacking lounge access, dining, or broad accelerated rewards.

Requires ₹13,400 monthly fuel spend to maximize the 2,000 monthly Fuel Points cap.

Reports of redemption issues for Fuel Points at some IndianOil outlets due to lack of support.

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.