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ICICI Bank HPCL Platinum 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

Both ICICI Bank HPCL Platinum Credit Card and IndianOil RBL Bank XTRA Credit Card suit fuel-focused spenders, but they earn and cost differently. ICICI Bank HPCL Platinum Credit Card costs ₹199 + GST and earns 2.5% cashback on HPCL fuel (max Rs. 100/month); 2 Reward Points per Rs. 100 on retail spends. IndianOil RBL Bank XTRA Credit Card costs ₹1,500 + GST and earns 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate). ICICI Bank HPCL Platinum Credit Card also brings 2 spa sessions at selected Indian airports annually through Dreamfolks membership, while IndianOil RBL Bank XTRA Credit Card counters with get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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

Fees & Charges

Joining Fee₹199 + GST
Joining Fee₹1,500 + GST
Renewal Fee₹199 + GST
Renewal Fee₹1,500 + GST
Spend Based WaiverAnnual renewal fee waived if you spend Rs. 50,000 or more in the preceding year.
Spend Based WaiverAnnual fee waived on spends of ₹2.75 Lakh annually.
Foreign Transaction Fees3.50% on all foreign currency spends.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.40% per month (equivalent to 40.8% 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 RateEarn 2 Reward Points for every Rs. 100 spent on all retail purchases, excluding fuel.
Rewards Rate7.5% on fuel purchases at IndianOil outlets; 2 Fuel Points for every ₹100 on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption FeeRs. 99 on every redemption request.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge AccessAccess 2 complimentary airport lounge visits outside India every year.
International Lounge Access
Travel BenefitsComplimentary Dreamfolks membership with USD 99 annual fee waived.
Travel Benefits
Movie BenefitsGet Rs. 100 off on movie ticket bookings via BookMyShow, twice a month.
Movie Benefits
Dining BenefitsMinimum 15% savings on dining bills through the ICICI Bank Culinary Treats Programme.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all HPCL pumps for transactions up to Rs. 4,000.
Fuel Surcharge Waiver1% Fuel Surcharge Waiver up to ₹200 each month.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the transaction amount or Rs. 300, whichever is higher.
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.

ICICI Bank HPCL Platinum Credit Card

IndianOil RBL Bank XTRA Credit Card

Who is it for?

The ICICI Bank HPCL Platinum Credit Card is designed for individuals who frequently spend on fuel, offering 2.5% cashback on HPCL fuel and a 1% surcharge waiver. It also provides a rewarding points system for retail spending, along with valuable movie and dining discounts. With low fees and complimentary international lounge access, it's a versatile option for everyday savings, despite being discontinued.

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.

Significant savings on fuel with 2.5% cashback and 1% surcharge waiver at HPCL pumps.

Low joining and annual fees, easily waived by spending Rs. 50,000 annually.

Valuable lifestyle benefits including movie discounts and dining savings via Culinary Treats.

Complimentary Dreamfolks membership offers international lounge access and domestic spa sessions.

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 has been discontinued, limiting new applications and future availability.

A redemption fee of Rs. 99 is charged on every reward point redemption request.

Lacks comprehensive insurance benefits, which might be a drawback for some users.

Cashback on fuel is capped at Rs. 100 per month, limiting maximum savings.

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 IndianOil RBL Bank XTRA Credit Card(opens in new tab)