IndianOil RBL Bank 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.
Fees & Charges
Joining Fee
₹500 + GST
₹1,500 + GST
Renewal Fee
₹500 + GST
₹1,500 + GST
Spend Based Waiver
The annual fee of ₹500 can be waived by spending ₹1.75 Lakh in a year.
Annual fee waiver on spends of ₹2.75 Lakh per year.
Foreign Transaction Fees
3.5%
3.5% on international spends.
Interest Rate (APR)
2.5% to 3.99% Per Month
2.5% to 3.99% per month.
Rewards & Benefits
Welcome Bonus
Receive 1,000 Fuel Points as a welcome benefit upon card issuance.
3,000 Fuel Points (worth ₹1,500) on transaction of ₹500+ within 30 days of issuance.
Rewards Rate
Earn an accelerated 10 Fuel Points for every ₹100 spent at IndianOil fuel stations.
8.5% valueback (7.5% rewards + surcharge waiver) on IndianOil fuel (15 FP/₹100); 2 FP/₹100 on other spends.
Reward Type
Reward Points
Fuel Points
Reward Redemption Fee
₹99 + GST
₹99 + GST per redemption.
Travel & Lifestyle
Domestic Lounge Access
Not Applicable
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Not Applicable
Not Applicable
Movie Benefits
Not Applicable
Not Applicable
Dining Benefits
Not Applicable
Not Applicable
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver on fuel transactions.
1% waiver (max ₹200/month) on fuel transactions.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of the advanced amount or a minimum of ₹500, whichever is higher.
2.5% of amount or min ₹500.