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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: 30 September 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.

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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 waived on annual spending of ₹3.5 Lakh in a card anniversary year.
Spend Based WaiverRenewal Fee is waived on annual spends of ₹50,000 or above in the previous year/card anniversary year.
Spend Based WaiverWaived on annual spend of ₹2,75,000.
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.5% of the transaction amount on all International / Cross currency transactions.
Foreign Transaction Fees3.5%
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases and cash.
Interest Rate (APR)3.75% per month (45% per annum). Overdue interest charges are up to 3.49% per month (41.88% annually).
Interest Rate (APR)2.5% to 3.99% per month

Rewards & Benefits

Welcome BonusEarn 1,250 EDGE Reward Points worth ₹250 on first fuel transaction within 30 days of card issuance.
Welcome BonusVoucher worth ₹250 upon card activation and completion of at least one transaction within 37 days.
Welcome Bonus3,000 Fuel Points (worth ₹1,500) on ₹500+ spend within 30 days of joining fee payment.
Rewards Rate4% value back on fuel at IOCL, 1% on online shopping, and 0.20% on other spends.
Rewards RateEarn 5% Fuel Points on IndianOil outlets, groceries, and bill payments (capped). 1 Fuel Point on every ₹150 spent on other purchases.
Rewards Rate7.5% at IndianOil fuel stations (max 2,000 points/month); 1% on other spends.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward TypeReward Points
Reward Redemption Fee₹99 per transaction on the EDGE REWARDS platform.
Reward Redemption Fee₹99 + GST.
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 BenefitsGet an instant discount of up to 10% on movie ticket bookings via BookMyShow app or website.
Movie Benefits
Movie Benefits
Dining BenefitsEnjoy discounted rates and exceptional dining experiences at top restaurants with Axis Bank Dining Delights.
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waived for transactions between ₹400-₹4,000, max waiver ₹50 per statement cycle.
Fuel Surcharge Waiver1% waiver across all petrol pumps on a minimum transaction of ₹400. Maximum waiver of ₹250 each statement cycle.
Fuel Surcharge Waiver1% waiver up to ₹200 per month

Security & Other

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

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 who frequently spend on fuel. It offers a competitive 4% value back on fuel transactions at IOCL stations, 1% value back on online shopping, and instant discounts on movie ticket bookings. This card is ideal for daily commuters and online shoppers looking for significant savings.

Who is it for?

The IndianOil HDFC Bank Credit Card is a co-branded fuel credit card designed for high fuel spenders, offering significant savings on fuel purchases, groceries, and utility bills. It provides up to 50 liters of free fuel annually and accelerated 5% Fuel Points at IndianOil outlets. Operating on the RuPay network, it also supports UPI linking for convenient mobile payments. This card is ideal for those seeking substantial rewards on everyday essential spending.

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.

Excellent reward rate (4% value back) on fuel transactions at IOCL petrol pumps, a daily necessity.

Offers a 10% instant discount on movie tickets booked via BookMyShow.

Provides a decent 1% value back on online shopping.

Pros

Key benefits and features.

Being on the RuPay network, the card can be linked to UPI applications for convenient and fast mobile payments.

Offers accelerated 5% Fuel Points on spends at IndianOil outlets, groceries, and utility bill payments.

Provides significant annual savings with the potential to earn up to 50 liters of free fuel.

Renewal fee is easily waived on annual spends of just ₹50,000, making it cost-effective.

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.

Does not offer any travel benefits, including lounge access.

The welcome benefit of 1,250 EDGE Reward Points (worth ₹250) is not substantial.

The reward rate for general offline spending (excluding fuel) is low (0.20%).

Cons

Key drawbacks and limitations.

Monthly capping on Fuel Points for IndianOil outlet spends limits maximum reward earning potential.

Reward points for groceries and utility bills are also capped at a low 100 Fuel Points per month.

High foreign currency markup of 3.5% makes international transactions expensive for cardholders.

The card does not offer any complimentary airport lounge access, domestic or international.

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 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)