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IndianOil RBL Bank XTRA Credit Card VS BPCL SBI 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 XTRA Credit Card and BPCL SBI Credit Card suit fuel-focused spenders, but they earn and cost differently. 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). BPCL SBI Credit Card costs Rs. 499 + GST and earns 4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others. IndianOil RBL Bank XTRA Credit Card also brings get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance, while BPCL SBI Credit Card counters with get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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IndianOil RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card
BPCL SBI Credit Card
BPCL SBI Credit Card

Fees & Charges

Joining Fee₹1,500 + GST
Joining Fee₹499 + GST
Renewal Fee₹1,500 + GST
Renewal Fee₹499 + GST
Spend Based WaiverWaived on annual spend of ₹2,75,000.
Spend Based WaiverRenewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)2.5% to 3.99% per month
Interest Rate (APR)Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus3,000 Fuel Points (worth ₹1,500) on ₹500+ spend within 30 days of joining fee payment.
Welcome BonusGet 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards Rate7.5% at IndianOil fuel stations (max 2,000 points/month); 1% on other spends.
Rewards Rate4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption FeeRs. 99 (plus applicable taxes) per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessNot Applicable
International Lounge Access
International Lounge AccessNot Applicable
Travel Benefits
Travel BenefitsNot Applicable
Movie Benefits
Movie BenefitsEarn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining Benefits
Dining BenefitsEarn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% waiver up to ₹200 per month
Fuel Surcharge Waiver1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance Benefits
Insurance BenefitsNot Applicable
Cash Advance Charges2.5% of amount or min ₹500
Cash Advance Charges2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndianOil RBL Bank XTRA Credit Card

BPCL SBI 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.

Who is it for?

The BPCL SBI Card is an excellent entry-level credit card, co-branded with BPCL, ideal for everyday users. It offers significant value back on fuel purchases at BPCL stations, with a total of 4.25% value back, including a fuel surcharge waiver. Beyond fuel, cardholders benefit from accelerated reward points on common spending categories such as dining, groceries, departmental stores, and movies. This card provides practical savings on essential expenses with a nominal annual fee, making it a great choice for maximizing daily expenditures.

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.

Offers great reward points and significant value back on fuel transactions at BPCL petrol pumps across India.

The BPCL SBI Card is highly accessible due to its competitive and low joining cost of just Rs. 499.

Provides attractive rewards on various everyday spending categories like groceries, dining, and movie tickets.

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.

Cardholders will not receive any complimentary domestic or international airport lounge access.

There are no specific insurance benefits or covers included as part of this credit card's offerings.

Reward points are not earned on transactions for mobile wallet uploads or fuel purchases outside BPCL stations.

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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