IndianOil RBL Bank XTRA Credit Card
Regular IndianOil customers with significant monthly fuel spend.
Main trade-off
Value collapses outside IndianOil fuel purchases: the 1% base rate elsewhere is unremarkable.
Direct comparison
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| Feature | RBL Bank IndianOil RBL Bank XTRA Credit Card | Axis Bank IndianOil Axis Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | RBL Bank | Axis Bank |
| Network | Mastercard | RuPay |
| Annual fee | ₹1,500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹2,75,000 annual spending | At ₹3,50,000 annual spending |
| Base reward rate | 1% | 0.2% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Online shopping | 1% · Other eligible Fuel Points | 1% · Online shopping rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Regular IndianOil customers with significant monthly fuel spend. | Budget-conscious IndianOil customers who also want a RuPay card for merchant UPI payments. |
| Main trade-off | Value collapses outside IndianOil fuel purchases: the 1% base rate elsewhere is unremarkable. | Rewards outside IndianOil fuel spend are minimal; keep this strictly as a fuel-station card. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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