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AU Zenith Credit Card vs IndianOil RBL Bank XTRA Credit Card

Honest side-by-side comparison of AU Zenith Credit Card, 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.

AU Zenith Credit Card

AU Small Finance Bank

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Your adjusted comparison

Feature
AU Zenith Credit Card

AU Zenith Credit Card

AU Small Finance Bank

IndianOil RBL Bank XTRA Credit Card

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Fees & eligibility
Annual fee₹7,999₹1,500
Fee waiver threshold₹5,00,000/yrWaived at ₹2,75,000/yr spend
Min income₹75,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹8,478/yr₹2,742/yr
Fuel—₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo
Travel₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr)—
Top reward rate3X points/₹15015 fuel points / ₹100
Primary reward capNo monthly cap published₹1,000 rewards/mo cap
Perks & restrictions
Lounge access8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarterNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentUtilities · Insurance · Quasi-cash · Railways · Rent
Bonuses
Signup bonus—₹1,500

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

AU Zenith Credit Card 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 AU Zenith Credit Card by about ₹11,220/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

AU Zenith Credit Card vs IndianOil RBL Bank XTRA Credit Card comparison table
FeatureAU Zenith Credit Card

AU Small Finance Bank

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Fees & eligibility
Annual fee₹7,999₹1,500
Fee waiver threshold₹5,00,000/yrWaived at ₹2,75,000/yr spend
Min income₹75,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)-₹8,478/yr₹2,742/yr
Fuel—₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo
Travel₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr)—
Top reward rate3X points/₹15015 fuel points / ₹100
Primary reward capNo monthly cap published₹1,000 rewards/mo cap
Perks & restrictions
Lounge access8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarterNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentUtilities · Insurance · Quasi-cash · Railways · Rent
Bonuses
Signup bonus—₹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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