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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.

Features

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
₹1,500 + GST
Renewal Fee
₹500 + GST
₹1,500 + GST
Spend Based Waiver
Annual Fee waived on spends of ₹1.75 Lakh in a year.
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Foreign Transaction Fees
3.5% markup on international spends.
3.5%
Interest Rate (APR)
2.5% to 3.99% Per Month on outstanding balances.
2.5% to 3.99% Per Month

Rewards & Benefits

Welcome Bonus
1,000 Fuel Points
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance.
Rewards Rate
Earn 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends.
Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST applies for redemption of reward points.
₹99 + GST

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% fuel surcharge waiver.
1% Fuel Surcharge Waiver up to ₹200 Each Month.

Security & Other

Insurance Benefits
Not Applicable
Not applicable
Cash Advance Charges
2.5% or a Minimum of ₹500 for cash withdrawals.
2.5% of the Cash Amount or a Minimum of ₹500.

IndianOil RBL Bank Credit Card

IndianOil RBL Bank XTRA Credit Card

Who is it for?

Who is it for?

Pros

Key benefits and features.

Highly advantageous credit card for those who frequently purchase fuel at IndianOil stations.

Offers an excellent reward rate of 5% on fuel purchases, ensuring significant savings.

Considered one of the best co-branded credit cards for fuel purchases at IndianOil Outlets.

Affordable ₹500 fee makes it ideal for individuals seeking their first fuel credit card.

Potential annual savings of up to ₹6,000 on fuel expenditure at IndianOil outlets.

Pros

Key benefits and features.

High 7.5% reward rate on fuel purchases at IndianOil stations, leading in its segment.

Substantial annual fuel savings, equivalent to 250 liters of free petrol annually.

Welcome benefits worth ₹1,500 effectively offset the joining fee for new cardholders.

Cons

Key drawbacks and limitations.

The card does not offer a high reward rate for spending on categories other than fuel.

Limited benefits beyond fuel, making it less versatile for diverse spending needs.

A rewards redemption fee of ₹99 + GST applies, reducing the overall reward value slightly.

Cons

Key drawbacks and limitations.

Limited diversified benefits, lacking lounge access, dining, or broad accelerated rewards.

Requires ₹13,400 monthly fuel spend to maximize the 2,000 monthly Fuel Points cap.

Reports of redemption issues for Fuel Points at some IndianOil outlets due to lack of support.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.