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IndianOil RBL Bank XTRA Credit Card VS IndianOil Axis Bank Premium 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
IndianOil Axis Bank Premium Credit Card
IndianOil Axis Bank Premium Credit Card

Fees & Charges

Joining Fee
₹1,500 + GST
₹1,000 + GST
Renewal Fee
₹1,500 + GST
₹1,000 + GST
Spend Based Waiver
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Annual fee of ₹1,000 + GST waived on spends of ₹1,00,000 and above in an anniversary year.
Foreign Transaction Fees
3.5%
3.50% of transaction value for foreign currency spends.
Interest Rate (APR)
2.5% to 3.99% Per Month
3.75% Per Month (55.55% Per Annum) on outstanding balances.

Rewards & Benefits

Welcome Bonus
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance.
Enjoy 500 EDGE Miles on your first spend within 30 days of card issuance.
Rewards Rate
Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate).
Earn 6 EDGE Miles on every ₹150 spent at IOCL fuel outlets (up to ₹15k/month) & 2 EDGE Miles on groceries (up to ₹5k/month).
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST
Nil charges for redeeming EDGE Miles.

Travel & Lifestyle

Domestic Lounge Access
Not applicable
Enjoy 2 complimentary domestic lounge visits per quarter (8 annually) by spending ₹50,000 in the prior 3 months.
International Lounge Access
Not applicable
Not Applicable
Travel Benefits
Not applicable
Offers spend-based domestic lounge access and instant savings on flights & hotels via MakeMyTrip.
Movie Benefits
Not applicable
Not Applicable
Dining Benefits
Not applicable
Enjoy 30% off on Zomato (up to ₹150, 2 times/month) & up to 25% off (max ₹800) via Eazydiner.
Golf Benefits
Not applicable
Not Applicable
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver up to ₹200 Each Month.
1% fuel surcharge waiver (unlimited) at IOCL fuel outlets (GST on surcharge non-refundable).

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2.5% of withdrawn amount (minimum ₹500) for cash advances.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndianOil RBL Bank XTRA Credit Card

IndianOil Axis Bank Premium 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 IndianOil Axis Bank Premium Credit Card is tailored for individuals frequently spending on fuel, offering accelerated rewards at IndianOil outlets. It provides comprehensive benefits, including grocery rewards, domestic airport lounge access, and dining discounts on Zomato and Eazydiner. This card is an excellent choice for those prioritizing fuel savings and lifestyle perks, while offering a well-rounded rewards program for everyday expenses.

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.

Excellent choice for frequent commuters with generous 6X EDGE Miles on IndianOil fuel purchases.

Well-rounded rewards program providing 2X EDGE Miles on grocery and daily spending needs.

Valuable travel perk with 2 complimentary domestic airport lounge visits each quarter.

Significant lifestyle benefits, including a 30% discount on food deliveries via Zomato.

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.

Domestic lounge access is conditional on spending ₹50,000 in the preceding three months.

Accelerated EDGE Miles for fuel and groceries have monthly spending caps for maximum benefits.

No EDGE Miles are earned on key categories like utilities, insurance, wallets, and rent payments.

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.