IndianOil RBL Bank Credit Card VS IndianOil RBL Bank XTRA Credit Card VS Union Uni Carbon Credit Card VS Bank of India CELESTIA CREDIT CARD
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IndianOil RBL Bank Credit Card
IndianOil RBL Bank XTRA Credit Card
Union Uni Carbon Credit Card
Bank of India CELESTIA CREDIT CARD
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Pros
Key benefits and features.
High savings on fuel, especially at HPCL outlets (up to 6.5% via HP Pay App).
Dedicated 4% cashback on HPCL fuel transactions, maximizing fuel savings.
Annual fee waiver on a reasonable spend threshold of ₹1,00,000 annually.
RuPay network enables UPI linkage for convenient merchant payments.
Milestone rewards provide additional value for higher annual spending.
Pros
Key benefits and features.
Zero joining fee makes it accessible for first-time credit card users.
Annual fee waived on annual spends of just ₹50,000, easy to achieve.
Fuel surcharge waiver of 1% benefits regular commuters and drivers.
RuPay variant allows seamless UPI integration for everyday payments.
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.
Cons
Key drawbacks and limitations.
Limited redemption options, primarily focused on cashback and HP Pay app benefits.
No travel or lifestyle benefits like lounge access, dining, or movies are offered.
High interest rate of 2.95% per month if balances are carried over.
Insurance coverage is lower compared to some premium credit cards.
Cons
Key drawbacks and limitations.
High interest rate of 3.35% per month on unpaid balances.
No complimentary domestic or international airport lounge access.
Foreign currency markup of 3.5% makes it costly for international use.
No travel insurance or comprehensive insurance cover provided.
Reward redemption incurs a fee of ₹99 plus taxes.