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IndianOil RBL Bank XTRA Credit Card VS IndianOil HDFC 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.
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Last updated: 30 September 2026

Both IndianOil RBL Bank XTRA Credit Card and IndianOil HDFC Bank 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). IndianOil HDFC Bank Credit Card costs ₹500 + GST and earns 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends. 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 IndianOil HDFC Bank Credit Card counters with zero Lost Card Liability protection against fraudulent transactions upon reporting card loss. 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
IndianOil HDFC Bank Credit Card
IndianOil HDFC Bank Credit Card

Fees & Charges

Joining Fee₹1,500 + GST
Joining Fee₹500 + GST
Renewal Fee₹1,500 + GST
Renewal Fee₹500 + GST
Spend Based WaiverWaived on annual spend of ₹2,75,000.
Spend Based WaiverRenewal Fee is waived on annual spends of ₹50,000 or above in the previous year/card anniversary year.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5% of the transaction amount on all International / Cross currency transactions.
Interest Rate (APR)2.5% to 3.99% per month
Interest Rate (APR)3.75% per month (45% per annum). Overdue interest charges are up to 3.49% per month (41.88% annually).

Rewards & Benefits

Welcome Bonus3,000 Fuel Points (worth ₹1,500) on ₹500+ spend within 30 days of joining fee payment.
Welcome BonusVoucher worth ₹250 upon card activation and completion of at least one transaction within 37 days.
Rewards Rate7.5% at IndianOil fuel stations (max 2,000 points/month); 1% on other spends.
Rewards RateEarn 5% Fuel Points on IndianOil outlets, groceries, and bill payments (capped). 1 Fuel Point on every ₹150 spent on other purchases.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver up to ₹200 per month
Fuel Surcharge Waiver1% waiver across all petrol pumps on a minimum transaction of ₹400. Maximum waiver of ₹250 each statement cycle.

Security & Other

Insurance Benefits
Insurance BenefitsZero Cost Card Liability for fraudulent transactions if reported immediately to HDFC Bank.
Cash Advance Charges2.5% of amount or min ₹500
Cash Advance Charges2.5% of the amount withdrawn, subject to a minimum charge of ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndianOil RBL Bank XTRA Credit Card

IndianOil HDFC Bank 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 IndianOil HDFC Bank Credit Card is a co-branded fuel credit card designed for high fuel spenders, offering significant savings on fuel purchases, groceries, and utility bills. It provides up to 50 liters of free fuel annually and accelerated 5% Fuel Points at IndianOil outlets. Operating on the RuPay network, it also supports UPI linking for convenient mobile payments. This card is ideal for those seeking substantial rewards on everyday essential spending.

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.

Being on the RuPay network, the card can be linked to UPI applications for convenient and fast mobile payments.

Offers accelerated 5% Fuel Points on spends at IndianOil outlets, groceries, and utility bill payments.

Provides significant annual savings with the potential to earn up to 50 liters of free fuel.

Renewal fee is easily waived on annual spends of just ₹50,000, making it cost-effective.

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.

Monthly capping on Fuel Points for IndianOil outlet spends limits maximum reward earning potential.

Reward points for groceries and utility bills are also capped at a low 100 Fuel Points per month.

High foreign currency markup of 3.5% makes international transactions expensive for cardholders.

The card does not offer any complimentary airport lounge access, domestic or international.

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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