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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: 30 September 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.

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CheQ AU Credit Card

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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 WaiverWaived on annual spend of ₹2,75,000.
Spend Based WaiverWaived on annual spend 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 (45% per annum).

Rewards & Benefits

Welcome Bonus3,000 Fuel Points (worth ₹1,500) on ₹500+ spend within 30 days of joining fee payment.
Welcome Bonus1000 Reward Points on spending ₹500+ within 30 days of card issuance.
Rewards Rate7.5% at IndianOil fuel stations (max 2,000 points/month); 1% on other spends.
Rewards Rate4% on IndianOil fuel, 2% on dining & groceries, 0.5% on other spends & UPI transactions.
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 BenefitsReward points redeemable for travel; concierge for car rental & limousine reservations.
Movie Benefits
Movie BenefitsConcierge for movie ticket booking; reward points redeemable for movie vouchers.
Dining Benefits
Dining Benefits2% back as Reward Points on dining spends.
Golf Benefits
Golf Benefits
Concierge services available for golf reservations.
Fuel Surcharge Waiver1% waiver up to ₹200 per month
Fuel Surcharge Waiver1% waiver on IndianOil fuel spends (₹100-₹5,000), max ₹100/cycle. Not on UPI.

Security & Other

Insurance Benefits
Insurance BenefitsPersonal accident insurance cover of ₹2 Lakhs.
Cash Advance Charges2.5% of amount or min ₹500
Cash Advance Charges2.5% of amount withdrawn, min. ₹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 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 Kotak Credit Card is an entry-level co-branded fuel card designed for individuals who frequently refuel at IndianOil outlets and are new to credit. It offers substantial savings on fuel, accelerated reward points on grocery and dining, and a welcome bonus. With flexible redemption options including cashback and IndianOil XTRAREWARDS, along with personal accident insurance and concierge services, it provides a rewarding experience for daily travel and essential spends, making it ideal for budget-conscious users seeking fuel benefits.

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.

Significant savings on fuel at IndianOil outlets with up to 4% value back in reward points.

Accelerated reward points on daily essential spends like groceries and dining (2% value back).

Flexible reward redemption options including cashback, Kotak Rewards, and IndianOil XTRAREWARDS for fuel.

Offers a good welcome bonus of 1000 Reward Points on initial spend, covering the joining fee.

Includes valuable benefits such as ₹2 Lakhs personal accident insurance and concierge services.

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.

Reward points for fuel, dining, and groceries are subject to monthly maximum earning caps.

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

Fuel surcharge waiver is not applicable on UPI transactions, limiting savings for some users.

High foreign currency markup of 3.5% makes it less ideal for international spending.

Welcome benefits are only applicable to cardholders who pay the initial joining fee.

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)