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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.

Features

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
₹449 + GST
Renewal Fee
₹1,500 + GST
₹449 + GST
Spend Based Waiver
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Annual fee of ₹449 waived on spending ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5%
3.5%
Interest Rate (APR)
2.5% to 3.99% Per Month
3.75% per month (Annualized @ 45%), effective from 1st June 2025.

Rewards & Benefits

Welcome Bonus
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance.
1000 Reward Points on spending INR 500 or more 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 24 RP/INR 150 on IndianOil fuel, 12 RP/INR 150 on dining/groceries, 3 RP/INR 150 on others.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST
Nil

Travel & Lifestyle

Domestic Lounge Access
Not applicable
Not Applicable
International Lounge Access
Not applicable
Not Applicable
Travel Benefits
Not applicable
Concierge services for car rental, limousine, travel booking assistance (Rupay variant only).
Movie Benefits
Not applicable
Movie vouchers available for redemption through the Kotak Rewards portal.
Dining Benefits
Not applicable
Earn 2% back as Reward Points on dining spends, capped at 800 RP per cycle.
Golf Benefits
Not applicable
Concierge services include golf reservations for Rupay variant cardholders.
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver up to ₹200 Each Month.
1% waiver on IndianOil fuel transactions between ₹100-₹5000, max ₹100 per statement cycle.

Security & Other

Insurance Benefits
Not applicable
Receive an insurance cover worth INR 2 Lakhs for personal accidents.
Cash Advance Charges
2.5% of the Cash Amount or a Minimum of ₹500.
2.5% on the advance amount, subject to a minimum of ₹500, effective from 1st June 2025.
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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 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 Kotak Credit Card is a co-branded fuel credit card offering significant savings on IndianOil fuel, with up to 5% value back. It provides accelerated rewards on dining and groceries, a welcome bonus of 1000 Reward Points, and a 1% fuel surcharge waiver. Ideal for frequent travelers and new credit users, the card also includes personal accident insurance and flexible redemption options.

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.

Significant savings potential on IndianOil fuel purchases with a 5% value back.

Accelerated rewards on essential spends like dining and groceries enhance daily value.

Valuable welcome benefit of 1000 reward points on initial spend within 30 days.

Complimentary personal accident insurance cover of ₹2 Lakhs provides added security.

Annual fee waiver easily achievable by spending ₹50,000 yearly.

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.

Monthly capping limits on reward points for fuel, dining, and grocery spends restrict maximum earnings.

Cashback redemption requires a minimum of 2000 points, potentially delaying benefits.

Higher foreign currency markup of 3.5% makes international spends less rewarding.

Various new fees on wallet, education, and utility effective from June 2025.

No complimentary domestic or international airport lounge access included with the card.

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.