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I
IndianOil RBL Bank XTRA Credit Card
RBL Bank
VS
WINNER
SBI BPCL Octane Credit Card
SBI BPCL Octane Credit Card
SBI Card

IndianOil RBL Bank XTRA Credit Card vs SBI BPCL Octane 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
Recommended
90
Overall Score / 100
4.5/5

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
SBI BPCL Octane Credit Card
Rewards (7.3%)+ ₹43,500
Annual fee− ₹1,499
Net per year+42,001
SBI BPCL Octane Credit Card gives you 42,001 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
SBI BPCL Octane Credit Card
Annual Fee
Free
₹1,499
Joining Fee
Free
₹1,499
Reward Rate
7.25
Min. Income
₹30,000

InvestingPro Expert Verdict

Based on SEBI-compliant analysis • Affiliate disclosed

SBI BPCL Octane Credit Card edges ahead on our rating (4.5★ vs 3.8★), though the two cards are close on fees and rewards. IndianOil RBL Bank XTRA Credit Card remains a solid alternative at Lifetime Free annually, especially if you're already banking with RBL Bank.

Who Should Get Which?

💰
Choose SBI BPCL Octane 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

SBI BPCL Octane Credit Card
SBI BPCL Octane Credit Card
SBI Card

Opens official SBI Card 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