Skip to main content

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.

Features

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
Rs. 499 + GST
Renewal Fee
₹1,500 + GST
Rs. 499 + GST, from the second year onwards.
Spend Based Waiver
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Renewal fee waived if annual spends for the preceding year are Rs. 50,000 or more.
Foreign Transaction Fees
3.5%
3.5% of the transaction amount.
Interest Rate (APR)
2.5% to 3.99% Per Month
Monthly 3.5%-3.75% (42-45% annually).

Rewards & Benefits

Welcome Bonus
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance.
Get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee.
Rewards Rate
Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate).
4.25% Valueback on fuel. 5 points per Rs. 100 on select categories & 1 point on others.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST
Rs. 99 (plus applicable taxes) per redemption request.

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
Earn 5 Reward Points on every Rs. 100 spent on movie tickets (5X Reward Points).
Dining Benefits
Not applicable
Earn 5 Reward Points on every Rs. 100 spent on dining (5X Reward Points).
Golf Benefits
Not applicable
Not Applicable
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver up to ₹200 Each Month.
1% waiver up to Rs. 100 per billing cycle on transactions up to Rs. 4,000 at BPCL pumps.

Security & Other

Insurance Benefits
Not applicable
Not Applicable
Cash Advance Charges
2.5% of the Cash Amount or a Minimum of ₹500.
2.5% of withdrawn amount, subject to a minimum charge of Rs. 500.
Apply Now(opens in new tab)
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 specialized fuel card offering substantial savings at IndianOil outlets. It provides a high reward rate of 7.5% (15 Fuel Points per ₹100 spent) and, with the fuel surcharge waiver, delivers an 8.5% value back. Ideal for frequent fuel purchasers, this card can help save significantly on annual fuel expenses, potentially earning points equivalent to 250 liters of free petrol.

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% 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.

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.

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.

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.