Skip to main content

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.

Features

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
₹500 + GST
Renewal Fee
₹1,500 + GST
₹500 + GST
Spend Based Waiver
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Foreign Transaction Fees
3.5%
3.5% markup on all international and cross-currency transactions.
Interest Rate (APR)
2.5% to 3.99% Per Month
3.75% per month (45% per annum) on revolving credit balance.

Rewards & Benefits

Welcome Bonus
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance.
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
Rewards Rate
Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate).
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST
₹99 + GST applies for reward point redemption.

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
Not Applicable
Dining Benefits
Not applicable
Not Applicable
Golf Benefits
Not applicable
Not Applicable
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver up to ₹200 Each Month.
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Not applicable
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Cash Advance Charges
2.5% of the Cash Amount or a Minimum of ₹500.
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.
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 XTRA Credit Card

IndianOil HDFC Bank 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 HDFC Bank Credit Card is a co-branded RuPay credit card designed for fuel enthusiasts. It offers significant rewards in the form of Fuel Points, allowing cardholders to earn up to 50 litres of free fuel annually, especially at IndianOil outlets. Benefits include accelerated points on groceries and bill payments, easy UPI linkage, and potential fee waivers based on spending. This card provides a strong value proposition for everyday fuel and utility 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.

RuPay network enables seamless linkage to UPI applications for mobile payments.

Offers a high reward rate for fuel redemption through IXRP, valuing 1 FP at ₹0.96.

Provides potential for both joining and renewal fee waivers based on annual spending.

Opportunity to earn up to 50 litres of free fuel annually with continued usage.

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.

Initial cap on accelerated fuel rewards at IndianOil outlets limits benefits for high spenders.

Reward accrual on groceries and bill payments is capped at 100 Fuel Points per month.

Lower redemption value (1 FP = ₹0.20) for cashback or catalogue products.

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.