Skip to main content

IndianOil RBL Bank Credit Card VS IRCTC RBL Bank 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.
Verified
Last updated: 30 September 2026
Lifetime FREE

CheQ AU Credit Card

Zero Fees. More Rewards

Apply Now
CheQ AU Credit Card
IndianOil RBL Bank Credit Card
IndianOil RBL Bank Credit Card
IRCTC RBL Bank Credit Card
IRCTC RBL Bank Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹500 + GST
Spend Based WaiverWaived on annual spend of ₹1.75 Lakh.
Spend Based WaiverNot applicable.
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 BonusEarn 500 Reward Points on spending a minimum of ₹500 within the first 30 days of card issuance.
Rewards Rate10 Fuel Points per ₹100 on IndianOil fuel (5% savings); 1 Fuel Point per ₹100 on other spends.
Rewards RateEarn 5 Reward Points for every ₹200 on IRCTC train bookings (2.5% rate); 1 RP for every ₹200 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 Access2 complimentary railway lounge visits each quarter, totaling up to 8 visits each year.
International Lounge Access
International Lounge Access
Travel Benefits
Travel BenefitsHigh rewards on IRCTC train bookings, NCMC for public transport, 2 complimentary railway lounge visits/quarter.
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver.
Fuel Surcharge Waiver1% surcharge waiver.

Security & Other

Insurance Benefits
Insurance BenefitsTrain Cancellation Cover up to ₹5,000 in case your train is cancelled at the last minute.
Cash Advance Charges2.5% of the advanced amount or a minimum of ₹500, whichever is higher.
Cash Advance Charges2.5% of the cash amount or a minimum of ₹500.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndianOil RBL Bank Credit Card

IRCTC RBL Bank 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 IRCTC RBL Bank Credit Card is a co-branded offering designed for frequent train travelers and public transport users. It provides a high 2.5% reward rate on IRCTC train bookings and features the National Common Mobility Card (NCMC) for tap-and-pay convenience. As a RuPay variant, it also supports seamless UPI payments. With a low annual fee, this card is ideal for commuters seeking travel-centric benefits and easy digital transactions.

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.

Offers a high 2.5% reward rate on train ticket bookings through IRCTC, very useful for frequent train travelers.

Features NCMC for tap-and-pay convenience across metros and public transport networks.

Available at a low joining and annual fee of just ₹500 + GST, making it accessible.

Provides complimentary railway lounge access with 8 visits per year for enhanced travel comfort.

The RuPay variant enables convenient and secure UPI payments for daily transactions.

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.

Primarily travel-focused, lacking specific benefits for dining, movies, or other common spending categories.

Reward points are not earned on specific categories like fuel, utilities, and certain offline UPI transactions.

A redemption fee of ₹99 + GST is charged for redeeming reward points, which can reduce overall savings.

The annual fee of ₹500 + GST is not eligible for a spend-based waiver, making it a recurring cost.

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 Credit Card(opens in new tab)Apply for IRCTC RBL Bank Credit Card(opens in new tab)