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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.
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Last updated: 30 September 2026

Both IndianOil RBL Bank Credit Card and IndianOil RBL Bank XTRA Credit Card suit fuel-focused spenders, but they earn and cost differently. IndianOil RBL Bank Credit Card costs ₹500 + GST and earns 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 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). IndianOil RBL Bank Credit Card also brings 1,000 Fuel Points, 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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IndianOil RBL Bank Credit Card
IndianOil RBL Bank 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 WaiverWaived on annual spend of ₹1.75 Lakh.
Spend Based WaiverWaived on annual spend of ₹2,75,000.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%
Interest Rate (APR)2.5% to 3.99% Per Month
Interest Rate (APR)2.5% to 3.99% per month

Rewards & Benefits

Welcome Bonus1,000 Fuel Points.
Welcome Bonus3,000 Fuel Points (worth ₹1,500) on ₹500+ spend within 30 days of joining fee payment.
Rewards Rate10 Fuel Points per ₹100 on IndianOil fuel (5% savings); 1 Fuel Point per ₹100 on other spends.
Rewards Rate7.5% at IndianOil fuel stations (max 2,000 points/month); 1% on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver.
Fuel Surcharge Waiver1% waiver up to ₹200 per month

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the advanced amount or a minimum of ₹500, whichever is higher.
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 RBL Bank Credit Card

IndianOil RBL Bank XTRA Credit Card

Who is it for?

The IndianOil RBL Bank Credit Card is an entry-level co-branded credit card on the RuPay network, ideal for frequent fuel purchases at IndianOil outlets. It offers a high reward rate of 5% on fuel spends, an additional 1% fuel surcharge waiver, and significant annual savings, making it a great choice for a fuel-focused credit card.

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.

Offers a high reward rate specifically for fuel purchases made at IndianOil stations.

Provides significant annual savings of up to ₹6,000 on fuel expenditure.

An affordable, basic co-branded card suitable for first-time credit card users.

Comes on the RuPay network, enabling easy linkage with UPI applications for payments.

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.

The reward rate for spending categories other than fuel is not high.

Monthly cap of 1,000 Fuel Points on IndianOil spends limits maximum savings.

Lacks premium benefits like lounge access, dining discounts, or travel perks.

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.
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