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ICICI Bank HPCL Super Saver 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 Super Saver Credit Card
ICICI Bank HPCL Super Saver Credit Card
IndianOil RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹1,500 + GST
Renewal Fee
₹500 + GST
₹1,500 + GST
Spend Based Waiver
Annual fee waived on spending ₹1.5 lakh or more in the preceding year.
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Foreign Transaction Fees
3.5% of the transaction amount.
3.5%
Interest Rate (APR)
3.75% per month (45% per year) on ATM withdrawals and minimum due payments.
2.5% to 3.99% Per Month

Rewards & Benefits

Welcome Bonus
2,000 bonus Reward Points on fee payment & ₹5k spend + ₹100 cashback via HP Pay app on first fuel.
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance.
Rewards Rate
5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop.
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
₹99 + GST per redemption request.
₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder).
Not applicable
International Lounge Access
No international lounge access benefits are provided with this card.
Not applicable
Travel Benefits
Complimentary domestic lounge access (spend-based); 24x7 Roadside Assistance; Concierge (RuPay).
Not applicable
Movie Benefits
25% off (up to ₹100) on movie tickets via BookMyShow & INOX, twice a month on each.
Not applicable
Dining Benefits
Dining discounts through ICICI Bank Culinary Treats Programme at partnered restaurants.
Not applicable
Golf Benefits
No golf benefits are offered with this credit card.
Not applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver applicable at all fuel stations across India.
1% Fuel Surcharge Waiver up to ₹200 Each Month.

Security & Other

Insurance Benefits
Personal Accident Insurance Cover is provided (for RuPay Variant).
Not applicable
Cash Advance Charges
2.5% of cash amount, minimum of ₹500.
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 Super Saver Credit Card

IndianOil RBL Bank XTRA Credit Card

Who is it for?

The ICICI Bank HPCL Super Saver Credit Card is ideal for frequent travelers and fuel spenders, offering significant savings and cashback. It provides exclusive fuel offers, reward points on daily expenses, and perks like airport lounge access and dining discounts. Enjoy comprehensive benefits across various spending categories for an economical travel and lifestyle.

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.

Exceptional savings on fuel at HPCL pumps, including cashback and surcharge waiver.

Generous reward points on everyday spends like utilities, groceries, and department stores.

Complimentary domestic airport lounge access helps enhance travel experiences.

Attractive discounts on movie tickets and dining offers via Culinary Treats Programme.

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 redemption fee of ₹99 + GST is charged for every reward redemption request.

No international lounge access or golf benefits are provided with this card.

High foreign currency markup of 3.5% makes international spends less rewarding.

Cash advance charges are 2.5% of the amount, with a minimum fee of ₹500.

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.