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IndianOil RBL Bank XTRA Credit Card
RBL Bank
VS
RBL Bank Indian Oil Credit Card
RBL Bank Indian Oil Credit Card
RBL Bank

IndianOil RBL Bank XTRA Credit Card vs RBL Bank Indian Oil Credit Card

Detailed side-by-side comparison based on fees, rewards, benefits, and real user data.

credit card
Updated Jul 2026
80
Overall Score / 100
4.0/5
80
Overall Score / 100
4.0/5

What would you save?· ₹ per year, after fees

50,000
₹5k₹1L₹2L
IndianOil RBL Bank XTRA Credit Card
Rewards (0.0%)+ ₹0
Annual feeFree
Net per year0
Better here
RBL Bank Indian Oil Credit Card
Rewards (5.0%)+ ₹30,000
Annual fee− ₹500
Net per year+29,500
RBL Bank Indian Oil Credit Card gives you 29,500 more per year at this spend level.

Estimates use the headline reward rate. Real rewards depend on category-wise spend, monthly caps, and welcome-bonus eligibility. See the full T&C on the issuer's website before applying.

Feature-by-Feature Comparison

Feature
IndianOil RBL Bank XTRA Credit Card
RBL Bank Indian Oil Credit Card
Annual Fee
Free
₹500
Joining Fee
Free
₹500
Reward Rate
5
Min. Income
₹25,000

InvestingPro Expert Verdict

Based on SEBI-compliant analysis • Affiliate disclosed

IndianOil RBL Bank XTRA Credit Card wins here with a lower annual fee (Lifetime Free vs ₹500). RBL Bank Indian Oil Credit Card remains a solid alternative at ₹500 annually, especially if you're already banking with RBL Bank.

Who Should Get Which?

💰
Choose RBL Bank Indian Oil Credit Card
Lower annual fees — ideal for budget-conscious users who want value without high costs.
✈️
Choose IndianOil RBL Bank XTRA Credit Card
Higher fee but more premium perks — best for power users who maximize rewards.
IndianOil RBL Bank XTRA Credit Card
RBL Bank

Opens official RBL Bank website

RBL Bank Indian Oil Credit Card
RBL Bank Indian Oil Credit Card
RBL Bank

Opens official RBL Bank website

Disclaimer: This comparison is for informational purposes only. Product details may change; verify on official bank websites before applying. InvestingPro may earn affiliate commission on approved applications. Not SEBI registered investment advice.

No paid rankings
Methodology disclosed
SEBI-compliant
Editorial standards