Side-by-side · honest numbers
IndianOil RBL Bank Credit Card vs IndianOil RBL Bank XTRA Credit Card vs SBI BPCL Octane
Honest side-by-side comparison of IndianOil RBL Bank Credit Card, IndianOil RBL Bank XTRA Credit Card, SBI BPCL Octane — 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
SBI BPCL Octane
SBI Card
Your adjusted comparison
| Feature | IndianOil RBL Bank Credit Card RBL Bank | IndianOil RBL Bank XTRA Credit Card RBL Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,500 | ₹1,499 |
| Fee waiver threshold | Waived at ₹1,75,000/yr spend | Waived at ₹2,75,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,296/yr | ₹2,742/yr | ₹1,275/yr |
| Groceries (offline) | — | — | ₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) |
| Dining & delivery | — | — | ₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/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 | ₹900 → 225 pts/mo × ₹0.25/pt = ₹56.25/mo (₹675/yr) · issuer max ₹10,000/mo |
| Top reward rate | 10 fuel points / ₹100 | 15 fuel points / ₹100 | 25X points |
| Primary reward cap | ₹500 rewards/mo cap | ₹1,000 rewards/mo cap | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | None | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Utilities · Insurance · Quasi-cash · Railways · Rent | Utilities · Insurance · Quasi-cash · Railways · Rent | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹500 | ₹1,500 | ₹6,000 |
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https://cardhungry.com/in/en/compare/rbl-indianoil-vs-rbl-indianoil-xtra-vs-sbi-bpcl-octaneReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IndianOil RBL Bank XTRA Credit Card ranks first for estimated net annual value — ahead of IndianOil RBL Bank Credit Card by about ₹1,446/yr.
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
| Feature | IndianOil RBL Bank Credit Card RBL Bank | IndianOil RBL Bank XTRA Credit Card RBL Bank | SBI BPCL Octane SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,500 | ₹1,499 |
| Fee waiver threshold | Waived at ₹1,75,000/yr spend | Waived at ₹2,75,000/yr spend | Waived at ₹2,00,000/yr spend |
| Min income | ₹20,000/mo | ₹25,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,296/yr | ₹2,742/yr | ₹1,275/yr |
| Groceries (offline) | — | — | ₹5,000 → 200 pts/mo × ₹0.25/pt = ₹50/mo (₹600/yr) |
| Dining & delivery | — | — | ₹3,500 → 140 pts/mo × ₹0.25/pt = ₹35/mo (₹420/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 | ₹900 → 225 pts/mo × ₹0.25/pt = ₹56.25/mo (₹675/yr) · issuer max ₹10,000/mo |
| Top reward rate | 10 fuel points / ₹100 | 15 fuel points / ₹100 | 25X points |
| Primary reward cap | ₹500 rewards/mo cap | ₹1,000 rewards/mo cap | ₹10,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | None | 4 domestic airport lounge visits per year (1/quarter) · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Utilities · Insurance · Quasi-cash · Railways · Rent | Utilities · Insurance · Quasi-cash · Railways · Rent | Non-BPCL fuel · EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | ₹500 | ₹1,500 | ₹6,000 |
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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