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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: 18 July 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.

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 WaiverAnnual fee waived on spends of ₹1.75 Lakh in a year.
Spend Based WaiverAnnual fee waived on spends of ₹2.75 Lakh annually.
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 upon joining.
Welcome BonusGet 3,000 Fuel Points (worth ₹1,500) on joining fee payment & ₹500 spend in 30 days.
Rewards RateEarn 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends.
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 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% Fuel Surcharge Waiver up to ₹200 each month.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% or a minimum 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 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 card designed for fuel purchases at IndianOil outlets. It offers a high reward rate of 5% on fuel spends and a 1% fuel surcharge waiver, leading to significant savings. With an affordable fee of ₹500 + GST, it's accessible for first-time users focused on fuel expenditure and can potentially save up to ₹6,000 annually on fuel.

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.

Offers an excellent 5% reward rate on fuel purchases at IndianOil outlets.

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

Affordable joining and annual fee, making it accessible for new users.

Includes a beneficial 1% fuel surcharge waiver on fuel transactions.

Available on the RuPay network, enabling convenient UPI payments.

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.

Low reward rate for spending categories other than fuel purchases.

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

A rewards redemption fee of ₹99 + GST applies to point redemptions.

Monthly cap of 1,000 Fuel Points limits maximum potential fuel savings.

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 RBL Bank XTRA Credit Card(opens in new tab)