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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.

Features

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
₹1,500 + GST
Renewal Fee
₹199 + GST
₹1,500 + GST
Spend Based Waiver
Renewal fee waived on spending Rs. 50,000 or more in the preceding year.
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Foreign Transaction Fees
3.50% on all foreign currency spends.
3.5%
Interest Rate (APR)
3.40% per month (or 40.8% annually).
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
2.5% cashback on HPCL fuel (max Rs. 100/month); 2 Reward Points per Rs. 100 on retail spends.
Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate).
Reward Type
Reward Points & Cashback
Reward Points
Reward Redemption Fee
Rs. 99 on every reward redemption request.
₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
2 spa sessions at selected Indian airports annually through Dreamfolks membership.
Not applicable
International Lounge Access
2 complimentary airport lounge visits outside India per year via Dreamfolks membership.
Not applicable
Travel Benefits
Complimentary Dreamfolks membership, 2 international lounge visits & 2 spa sessions annually.
Not applicable
Movie Benefits
Rs. 100 off on movie tickets via BookMyShow, twice monthly.
Not applicable
Dining Benefits
Min. 15% savings on dining bills via ICICI Bank Culinary Treats Programme at 2,500+ restaurants.
Not applicable
Golf Benefits
Not Applicable
Not applicable
Fuel Surcharge Waiver
1% waiver at all HPCL pumps for transactions up to Rs. 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 transaction amount or Rs. 300, whichever is higher.
2.5% 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 ideal for frequent fuel spenders, offering 2.5% cashback on HPCL fuel and a 1% fuel surcharge waiver. With a nominal fee of Rs. 199 (which can be waived), it also provides benefits like movie discounts, dining savings via Culinary Treats, and complimentary international lounge access through Dreamfolks membership. This card is a cost-effective choice for everyday savings across various categories.

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.

Attractive 2.5% cashback on fuel purchases at HPCL and a 1% fuel surcharge waiver, leading to significant savings.

Nominal joining and annual fee of Rs. 199, easily waived by spending Rs. 50,000 in the preceding year.

Valuable benefits like movie discounts, dining savings through Culinary Treats, and international lounge access.

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.

Fuel cashback is capped at only Rs. 100 per month, limiting savings for high spenders on fuel.

A redemption fee of Rs. 99 is charged on every reward redemption request, reducing overall value.

High foreign currency markup of 3.50% makes it unsuitable for frequent international transactions.

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.