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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.
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Last updated: 30 September 2026

Both ICICI Bank HPCL Super Saver Credit Card and IndianOil RBL Bank XTRA Credit Card suit fuel-focused spenders, but they earn and cost differently. ICICI Bank HPCL Super Saver Credit Card costs ₹500 + GST and earns 5% savings on HPCL fuel; 20 RP/₹100 on essentials; 2 RP/₹100 on others; 6x-12x on iShop. 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 Super Saver Credit Card also brings 1 complimentary access per quarter on ₹75,000 spend in preceding quarter (primary cardholder), 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.

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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
Joining Fee₹1,500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,500 + GST
Spend Based WaiverAnnual fee waived if Rs. 1.5 lakh or more is spent in the preceding year.
Spend Based WaiverWaived on annual spend of ₹2,75,000.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% per month (equivalent to 45% per year) on outstanding balances.
Interest Rate (APR)2.5% to 3.99% per month

Rewards & Benefits

Welcome Bonus2,000 bonus Reward Points on spending Rs. 5,000 in 45 days & Rs. 100 cashback on HP Pay app.
Welcome Bonus3,000 Fuel Points (worth ₹1,500) on ₹500+ spend within 30 days of joining fee payment.
Rewards RateUp to 5% savings on HPCL fuel; 5% cashback as RPs on utilities/groceries; 2 RPs per Rs. 100 on others.
Rewards Rate7.5% at IndianOil fuel stations (max 2,000 points/month); 1% on other spends.
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption FeeRs. 99 + GST is charged for every reward redemption request.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access1 complimentary domestic airport lounge access per quarter on Rs. 75,000 spend in previous quarter.
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsComplimentary domestic lounge access, 24x7 Roadside Assistance Service, concierge service.
Travel Benefits
Movie Benefits25% discount (max Rs. 100, twice a month) on BookMyShow/Inox, with Rs. 25,000 quarterly spend.
Movie Benefits
Dining BenefitsExclusive discounts at partner restaurants under ICICI Bank Culinary Treats Program.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all fuel stations on transactions between Rs. 400 and Rs. 4,000.
Fuel Surcharge Waiver1% waiver up to ₹200 per month

Security & Other

Insurance BenefitsPersonal Accident Insurance Cover (for RuPay Variant).
Insurance Benefits
Cash Advance Charges2.5% of cash amount withdrawn, subject to a minimum of Rs. 500.
Cash Advance Charges2.5% of amount or min ₹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 a co-branded offering designed for individuals who frequently spend on fuel and daily essentials. It provides significant savings of up to 5% on HPCL fuel purchases and accelerated reward points on utility and departmental store spends. Cardholders also enjoy complimentary domestic airport lounge access, movie discounts, and 24x7 Road Assistance Service. With a modest annual fee, this card is ideal for maximizing everyday fuel and household expense savings while enjoying select lifestyle perks.

Who is it for?

The IndianOil RBL Bank XTRA Credit Card is a fuel-oriented credit card available on both MasterCard and RuPay networks, designed to offer significant savings on fuel expenses. It provides an impressive 7.5% valueback at IndianOil Fuel Stations, with the potential to earn up to 250 litres of free petrol annually. The RuPay variant also offers UPI linking and NCMC capabilities. While excelling in fuel benefits, it is best suited for individuals whose primary spending is on fuel and who seek maximum returns in this category.

Pros

Key benefits and features.

Significant savings of up to 5% on HPCL fuel purchases, ideal for frequent commuters.

Accelerated reward points on daily essential spends like utilities and groceries.

Complimentary domestic airport lounge access enhances travel convenience.

Includes valuable 24x7 Road Assistance Service for vehicle owners.

Attractive welcome benefits with bonus points and HP Pay app cashback.

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.

High foreign currency markup of 3.5% makes international spends expensive.

A rewards redemption fee of Rs. 99 + GST is charged for every request.

Lounge and movie benefits require substantial quarterly spend thresholds.

The 4% fuel cashback is capped at Rs. 200 per month, limiting maximum savings.

High interest rate of 45% per annum on outstanding balances and cash advances.

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.

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 ICICI Bank HPCL Super Saver Credit Card(opens in new tab)Apply for IndianOil RBL Bank XTRA Credit Card(opens in new tab)