IndianOil RBL Bank XTRA Credit Card VS Standard Chartered Super Value Titanium Credit Card
Both IndianOil RBL Bank XTRA Credit Card and Standard Chartered Super Value Titanium 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). Standard Chartered Super Value Titanium Credit Card costs ₹750 + GST and earns 5% cashback on fuel, telephone & utility bills; 1 reward point per ₹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 Standard Chartered Super Value Titanium Credit Card counters with 1 complimentary international lounge access per month via Priority Pass for Premium Banking clients. Weigh the fee against the reward rate above to see which fits your spending pattern better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IndianOil RBL Bank XTRA Credit Card
Standard Chartered Super Value Titanium Credit Card
Who is it for?
Who is it for?
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.
Enjoy a high 5% cashback on essential spends like fuel, telephone, and utility bills.
Receive 100% cashback up to ₹1,500 on fuel transactions within the first 90 days.
Premium Banking Customers get a lifetime free card with complimentary international lounge access.
Benefit from a lifetime free supplementary credit card for your family members.
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.
The 1% fuel surcharge waiver will be discontinued from August 25, 2024.
Total monthly cashback across key categories is capped at a relatively low ₹500.
A redemption fee of ₹99 is charged for every reward point redemption request.
High foreign currency markup of 3.5% makes international spends expensive.
This credit card does not offer any complimentary domestic airport lounge access.