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IndianOil RBL Bank XTRA Credit Card VS IndianOil Kotak 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: 18 July 2026

Both IndianOil RBL Bank XTRA Credit Card and IndianOil Kotak 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 Kotak Credit Card costs ₹449 + GST and earns 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 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 IndianOil Kotak Credit Card counters with receive an insurance cover worth INR 2 Lakhs for personal accidents. Weigh the fee against the reward rate above to see which fits your spending pattern better.

IndianOil RBL Bank XTRA Credit Card
IndianOil RBL Bank XTRA Credit Card
IndianOil Kotak Credit Card
IndianOil Kotak Credit Card

Fees & Charges

Joining Fee₹1,500 + GST
Joining Fee₹449 + GST
Renewal Fee₹1,500 + GST
Renewal Fee₹449 + GST
Spend Based WaiverAnnual fee waived on spends of ₹2.75 Lakh annually.
Spend Based WaiverAnnual fee waived on annual retail spends of ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%.
Interest Rate (APR)2.5% to 3.99% Per Month
Interest Rate (APR)3.75% per month, equivalent to 45% per annum.

Rewards & Benefits

Welcome BonusGet 3,000 Fuel Points (worth ₹1,500) on joining fee payment & ₹500 spend in 30 days.
Welcome BonusReceive 1000 Reward Points as a welcome benefit upon spending ₹500 or more within 30 days of card issuance.
Rewards Rate7.5% on fuel purchases at IndianOil outlets; 2 Fuel Points for every ₹100 on other spends.
Rewards RateEarn 24 RP on ₹150 on fuel (4% back), 12 RP on ₹150 on dining/grocery (2% back), 3 RP on ₹150 on others (0.5% back).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption FeeNil.

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 BenefitsEarn 12 Reward Points on every ₹150 spent on dining and grocery, equivalent to 2% back.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% Fuel Surcharge Waiver up to ₹200 each month.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions ₹100-₹5,000 at IndianOil, capped at ₹100/statement cycle.

Security & Other

Insurance Benefits
Insurance BenefitsPersonal accident insurance cover of ₹2 Lakhs.
Cash Advance Charges2.5% of the Cash Amount or a Minimum of ₹500
Cash Advance Charges2.5% of cash withdrawn, minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndianOil RBL Bank XTRA Credit Card

IndianOil Kotak Credit Card

Who is it for?

The IndianOil RBL Bank XTRA Credit Card is a specialized fuel credit card designed for individuals seeking substantial savings on fuel expenses, particularly at IndianOil outlets. It offers an impressive 7.5% reward rate on fuel purchases, combined with a 1% fuel surcharge waiver, leading to a total savings of 8.5%. Cardholders also benefit from welcome Fuel Points and milestone rewards, making it an ideal choice for frequent fuel users who prioritize value back on their fuel spends.

Who is it for?

The IndianOil Kotak Credit Card is an entry-level, co-branded fuel card ideal for individuals who frequently refuel at IndianOil outlets and are new to credit. It offers significant savings on fuel, accelerated reward points on dining and grocery spends, and a valuable welcome benefit. Cardholders can enjoy flexible reward redemption options, including cashback and direct fuel payments, along with a personal accident insurance cover. This card is perfectly positioned for maximizing everyday savings, especially on vehicle-related expenses.

Pros

Key benefits and features.

Offers a high return of 7.5% on fuel purchases, a competitive rate among fuel cards.

Combined with the fuel surcharge waiver, total savings reach 8.5% on fuel.

Welcome benefits provide 3,000 Fuel Points, equivalent to ₹1,500 value.

Milestone rewards offer additional Fuel Points on achieving quarterly spend targets.

Pros

Key benefits and features.

Excellent for frequent IndianOil fuel users, offering significant savings and rewards.

Provides valuable welcome benefits and accelerated rewards on dining and groceries.

Offers flexible redemption options, including cashback and IndianOil XTRAREWARDS.

Includes a personal accident insurance cover and convenient concierge services.

Cons

Key drawbacks and limitations.

Lacks diverse benefits like lounge access or dining discounts, unlike other cards.

Comes with a joining fee of ₹1,500 + GST, which might deter some users.

Users have reported issues with redeeming Fuel Points at some IndianOil outlets.

Excludes many common spend categories like utilities and rentals from rewards.

Cons

Key drawbacks and limitations.

Reward points on fuel are capped monthly, which may limit benefits for high spenders.

Fuel surcharge waiver is capped at ₹100 per month and excludes UPI transactions.

The card does not offer any complimentary airport or railway lounge access.

A foreign currency markup of 3.5% makes international spends less attractive.

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.
Apply for IndianOil RBL Bank XTRA Credit Card(opens in new tab)Apply for IndianOil Kotak Credit Card(opens in new tab)