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IndianOil Axis Bank RuPay Credit Card VS IndianOil HDFC Bank Credit Card VS IndianOil RBL Bank XTRA Credit Card

A detailed, side-by-side look at 3 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

Comparing 3 cards side by side: IndianOil Axis Bank RuPay Credit Card, IndianOil HDFC Bank Credit Card, IndianOil RBL Bank XTRA Credit Card. IndianOil Axis Bank RuPay Credit Card costs ₹500 + GST and earns 20 pts/₹100 on fuel (IOCL), 5 pts/₹100 on online shopping, 1 pt/₹100 on other spends. IndianOil HDFC Bank Credit Card costs ₹500 + GST and earns 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other 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). Compare the fee and reward differences above against your priority spend category — travel, dining, shopping, or fuel — to pick the right fit.

IndianOil Axis Bank RuPay Credit Card
IndianOil Axis Bank RuPay Credit Card
IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card
IndianOil RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹500 + GST
Joining Fee₹1,500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,500 + GST
Spend Based WaiverRenewal fee is waived on annual spending of ₹3.5 Lakh in the previous card anniversary year.
Spend Based WaiverJoining Fee waived on ₹20,000 spend in 90 days. Renewal Fee waived on ₹50,000 annual spend.
Spend Based WaiverAnnual fee waived on spends of ₹2.75 Lakh annually.
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.
Interest Rate (APR)Revolving Credit: 3.75% per month (45% p.a.). Overdue: Up to 3.49% per month (41.88% p.a.).
Interest Rate (APR)2.5% to 3.99% Per Month

Rewards & Benefits

Welcome BonusEarn up to 1,250 EDGE Reward Points (worth ₹250) on your first fuel transaction made within 30 days of card issuance.
Welcome BonusComplimentary IndianOil XTRAREWARDS Program (IXRP) membership. Voucher worth ₹250 upon card activation and one transaction.
Welcome BonusGet 3,000 Fuel Points (worth ₹1,500) on joining fee payment & ₹500 spend in 30 days.
Rewards RateEarn 20 EDGE Points per ₹100 on IOCL fuel (4% value back), 5 points on online shopping, 1 point on other spends.
Rewards RateAccelerated 5% Fuel Points on IndianOil, groceries, and bill payments. 1 Fuel Point on every ₹150 spent on other purchases.
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 TypeReward Points
Reward Redemption Fee₹99 per transaction on the EDGE REWARDS platform.
Reward Redemption Fee₹99 plus GST for redemption through net-banking towards catalog products or as cashback.
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Travel Benefits
Movie BenefitsInstant 10% discount on movie ticket bookings on BookMyShow app or website.
Movie Benefits
Movie Benefits
Dining BenefitsUp to 15% discount (up to ₹500) on dining bills at partner restaurants under the Axis Bank EazyDiner Program.
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver for transactions between ₹400 and ₹4,000, max ₹50 per statement cycle.
Fuel Surcharge Waiver1% waiver across all petrol pumps on min ₹400 transaction. Max waiver ₹250 per statement cycle.
Fuel Surcharge Waiver1% Fuel Surcharge Waiver up to ₹200 each month.

Security & Other

Insurance Benefits
Insurance BenefitsZero Cost Card Liability for fraudulent transactions if reported immediately.
Insurance Benefits
Cash Advance Charges2.5% of the total transaction amount (Minimum ₹500).
Cash Advance Charges2.5% of amount withdrawn, subject to a minimum charge of ₹500.
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.

IndianOil Axis Bank RuPay Credit Card

IndianOil HDFC Bank Credit Card

IndianOil RBL Bank XTRA Credit Card

Who is it for?

The IndianOil Axis Bank RuPay Credit Card is an entry-level co-branded fuel credit card designed for individuals with high fuel consumption at IOCL stations, offering a competitive 4% value back on fuel spending. It also provides a decent 1% value back on online shopping and includes valuable lifestyle benefits such as movie ticket discounts and dining offers, making it ideal for everyday savings.

Who is it for?

The IndianOil HDFC Bank Credit Card is a co-branded card for high fuel spenders, offering significant savings through Fuel Points redeemable for free fuel at IndianOil pumps. Users can earn up to 50 liters of free fuel annually, with accelerated 5% Fuel Points on IndianOil, groceries, and bill payments. Operating on the RuPay network, it also supports convenient UPI payments.

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.

Excellent cashback/reward rate on fuel transactions at IOCL petrol pumps, a daily necessity.

Get 10% off on movie tickets booked via BookMyShow, enhancing entertainment savings.

Accelerated rewards on online shopping, providing value back on digital purchases.

Renewal fee waiver on achievable annual spending, making the card more economical.

Pros

Key benefits and features.

Accelerated 5% Fuel Points on IndianOil outlets, with high ₹0.96 redemption value for free fuel.

Earn 5% Fuel Points on groceries and utility bill payments, making it useful for daily expenses.

RuPay network enables UPI integration, allowing convenient mobile payments via linked applications.

Joining and renewal fees are waivable based on spending, offering potential for a free-for-life card.

Benefits include 1% fuel surcharge waiver, up to 50 days interest-free credit, and zero lost card liability.

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 IndianOil Axis Bank RuPay Credit Card does not provide any travel benefits like lounge access.

The welcome benefit offered by this card is modest compared to other premium cards.

Low reward rate (0.20%) for general offline spending, limiting overall value.

Cons

Key drawbacks and limitations.

Monthly caps on Fuel Points in accelerated categories limit benefits for very high spenders.

No Fuel Points on wallet loading, government, EMI, rental, gold purchases, or non-IndianOil fuel.

A ₹99 + GST fee applies for redeeming Fuel Points as cashback or for catalog products.

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 Axis Bank RuPay Credit Card(opens in new tab)Apply for IndianOil HDFC Bank Credit Card(opens in new tab)Apply for IndianOil RBL Bank XTRA Credit Card(opens in new tab)