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RBL Bank Indian Oil Xtra Credit Card
RBL Bank Indian Oil Xtra Credit Card
RBL Bank
VS
WINNER
SBI BPCL Octane Credit Card
SBI BPCL Octane Credit Card
SBI Card

RBL Bank Indian Oil 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
84
Overall Score / 100
4.2/5
Recommended
90
Overall Score / 100
4.5/5

Scoreboard· 3 measured features

1
RBL Bank Indian Oil Xtra Credit Card
0
Tied
2
SBI BPCL Octane Credit Card
Overall winner

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

50,000
₹5k₹1L₹2L
Better here
RBL Bank Indian Oil Xtra Credit Card
Rewards (8.5%)+ ₹51,000
Annual fee− ₹1,500
Net per year+49,500
SBI BPCL Octane Credit Card
Rewards (7.3%)+ ₹43,500
Annual fee− ₹1,499
Net per year+42,001
RBL Bank Indian Oil Xtra Credit Card gives you 7,499 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
RBL Bank Indian Oil Xtra Credit Card
SBI BPCL Octane Credit Card
Annual Fee
₹1,500
₹1,499
Joining Fee
₹1,500
₹1,499
Reward Rate
8.5
7.25
Min. Income
₹30,000
₹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 4.2★), though the two cards are close on fees and rewards. RBL Bank Indian Oil Xtra Credit Card remains a solid alternative at ₹1,500 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 RBL Bank Indian Oil Xtra Credit Card
Higher fee but more premium perks — best for power users who maximize rewards.
RBL Bank Indian Oil Xtra Credit Card
RBL Bank Indian Oil 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