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Amex Membership Rewards CC vs IndianOil RBL Bank XTRA Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, IndianOil RBL Bank XTRA Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Amex Membership Rewards CC

American Express

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Your adjusted comparison

Feature
Amex Membership Rewards CC credit card

Amex Membership Rewards CC

American Express

IndianOil RBL Bank XTRA Credit Card

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Fees & eligibility
Annual fee₹4,500₹1,500
Fee waiver thresholdWaived at ₹1,50,000/yr spendWaived at ₹2,75,000/yr spend
Min income₹60,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,116/yr₹2,742/yr
Fuel—₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo
Top reward rate2 RP/₹15015 fuel points / ₹100
Primary reward capNo monthly cap published₹1,000 rewards/mo cap
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Some small merchantsUtilities · Insurance · Quasi-cash · Railways · Rent
Bonuses
Signup bonus₹4,000₹1,500

Stack mode (hold both)

Cap-aware split: ~₹4,796/yr combined NAV (₹2,054 vs best solo). Both annual fees apply.

Amex Membership Rewards CC details →IndianOil RBL Bank XTRA Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, IndianOil RBL Bank XTRA Credit Card leads Amex Membership Rewards CC by about ₹1,626/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

Amex Membership Rewards CC vs IndianOil RBL Bank XTRA Credit Card comparison table
FeatureAmex Membership Rewards CC

American Express

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Fees & eligibility
Annual fee₹4,500₹1,500
Fee waiver thresholdWaived at ₹1,50,000/yr spendWaived at ₹2,75,000/yr spend
Min income₹60,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,116/yr₹2,742/yr
Fuel—₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo
Top reward rate2 RP/₹15015 fuel points / ₹100
Primary reward capNo monthly cap published₹1,000 rewards/mo cap
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Some small merchantsUtilities · Insurance · Quasi-cash · Railways · Rent
Bonuses
Signup bonus₹4,000₹1,500

Frequently asked questions

Which card has the lower annual fee?
IndianOil RBL Bank XTRA Credit Card has the lowest annual fee at ₹1,500.
Which card earns more on moderate spend?
IndianOil RBL Bank XTRA Credit Card leads with an estimated ₹2,742/yr net annual value on moderate spend.
Which card has the lower income requirement?
IndianOil RBL Bank XTRA Credit Card lists a minimum monthly income of ₹25,000.
Does this comparison pull my credit score?
No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

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