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IndianOil RBL Bank Credit Card vs IndianOil RBL Bank XTRA Credit Card

Honest side-by-side comparison of IndianOil RBL Bank 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.

IndianOil RBL Bank Credit Card

RBL Bank

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Your adjusted comparison

Feature
IndianOil RBL Bank Credit Card

IndianOil RBL Bank Credit Card

RBL Bank

IndianOil RBL Bank XTRA Credit Card

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Fees & eligibility
Annual fee₹500₹1,500
Fee waiver thresholdWaived at ₹1,75,000/yr spendWaived at ₹2,75,000/yr spend
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,296/yr₹2,742/yr
Fuel₹900 → 90 pts/mo × ₹0.50/pt = ₹45/mo (₹540/yr) · issuer max ₹500/mo₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo
Top reward rate10 fuel points / ₹10015 fuel points / ₹100
Primary reward cap₹500 rewards/mo cap₹1,000 rewards/mo cap
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsUtilities · Insurance · Quasi-cash · Railways · RentUtilities · Insurance · Quasi-cash · Railways · Rent
Bonuses
Signup bonus₹500₹1,500

Stack mode (hold both)

Cap-aware split: ~₹4,380/yr combined NAV (₹1,638 vs best solo). Both annual fees apply.

IndianOil RBL Bank 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 IndianOil RBL Bank Credit Card by about ₹1,446/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

IndianOil RBL Bank Credit Card vs IndianOil RBL Bank XTRA Credit Card comparison table
FeatureIndianOil RBL Bank Credit Card

RBL Bank

IndianOil RBL Bank XTRA Credit Card

RBL Bank

Fees & eligibility
Annual fee₹500₹1,500
Fee waiver thresholdWaived at ₹1,75,000/yr spendWaived at ₹2,75,000/yr spend
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹1,296/yr₹2,742/yr
Fuel₹900 → 90 pts/mo × ₹0.50/pt = ₹45/mo (₹540/yr) · issuer max ₹500/mo₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo
Top reward rate10 fuel points / ₹10015 fuel points / ₹100
Primary reward cap₹500 rewards/mo cap₹1,000 rewards/mo cap
Perks & restrictions
Lounge accessNoneNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsUtilities · Insurance · Quasi-cash · Railways · RentUtilities · Insurance · Quasi-cash · Railways · Rent
Bonuses
Signup bonus₹500₹1,500

Frequently asked questions

Which card has the lower annual fee?
IndianOil RBL Bank Credit Card has the lowest annual fee at ₹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 Credit Card lists a minimum monthly income of ₹20,000.
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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