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IndianOil RBL Bank XTRA Credit Card VS Standard Chartered Super Value Titanium 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
Standard Chartered Super Value Titanium Credit Card
Standard Chartered Super Value Titanium Credit Card

Fees & Charges

Joining Fee
₹1,500 + GST
₹750 + GST
Renewal Fee
₹1,500 + GST
₹750 + GST
Spend Based Waiver
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Annual fee waived on spending ₹90,000 or more in the previous year.
Foreign Transaction Fees
3.5%
3.5% of the transaction amount for all overseas transactions.
Interest Rate (APR)
2.5% to 3.99% Per Month
3.49% per month (41.88% per annum).

Rewards & Benefits

Welcome Bonus
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance.
100% cashback up to ₹1,500 on fuel transactions within the first 90 days of card issuance.
Rewards Rate
Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate).
Earn 5% cashback on fuel, telephone & utility bills; 1 reward point per ₹150 on other spends.
Reward Type
Reward Points
Reward Points & Cashback
Reward Redemption Fee
₹99 + GST
₹99 per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Not applicable
International Lounge Access
Not applicable
1 complimentary international lounge access per month via Priority Pass for Premium Banking clients.
Travel Benefits
Not applicable
Complimentary Priority Pass for Premium Banking Customers, offering access to 1,000+ international lounges.
Movie Benefits
Not applicable
Exclusive discounts and offers on movies via the Standard Chartered Good Life programme.
Dining Benefits
Not applicable
Exclusive discounts and offers on dining via the Standard Chartered Good Life programme.
Golf Benefits
Not applicable
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver up to ₹200 Each Month.
1% fuel surcharge waiver discontinued from Aug 25, 2024. 5% cashback on fuel (max ₹200/month) applies.

Security & Other

Insurance Benefits
Not applicable
Cash Advance Charges
2.5% of the Cash Amount or a Minimum of ₹500.
3% of transacted amount, minimum ₹300.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IndianOil RBL Bank XTRA Credit Card

Standard Chartered Super Value Titanium 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 Standard Chartered Super Value Titanium Credit Card is ideal for individuals with high spending on fuel, telephone, and utility bills, offering a generous 5% cashback in these categories. It provides a welcome benefit of 100% cashback up to ₹1,500 on initial fuel purchases. Premium Banking Customers enjoy a lifetime free card with complimentary international lounge access. While it offers substantial savings on recurring expenses, note the upcoming discontinuation of the fuel surcharge waiver. This card is best suited for maximizing savings on daily essentials and for Standard Chartered's premium clientele.

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.

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.

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.

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.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.