Side-by-side · honest numbers
IndianOil RBL Bank XTRA Credit Card vs RBL World Safari
Honest side-by-side comparison of IndianOil RBL Bank XTRA Credit Card, RBL World Safari — 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
Customize your spend
Change spend profile or swap cards — results update live below.
Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
IndianOil RBL Bank XTRA Credit Card
RBL Bank
RBL World Safari
RBL Bank
Your adjusted comparison
| Feature | IndianOil RBL Bank XTRA Credit Card RBL Bank | RBL World Safari RBL Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,500 | ₹3,000 |
| Fee waiver threshold | Waived at ₹2,75,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,742/yr | -₹2,052/yr |
| Fuel | ₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo | — |
| Travel | — | ₹3,000 → 80 pts/mo × ₹0.30/pt = ₹24/mo (₹288/yr) |
| Top reward rate | 15 fuel points / ₹100 | 4X points |
| Primary reward cap | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Utilities · Insurance · Quasi-cash · Railways · Rent | EMI · Rent · Wallet |
| Bonuses | ||
| Signup bonus | ₹1,500 | ₹3,000 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/rbl-indianoil-xtra-vs-rbl-world-safariReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, IndianOil RBL Bank XTRA Credit Card leads RBL World Safari by about ₹4,794/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
| Feature | IndianOil RBL Bank XTRA Credit Card RBL Bank | RBL World Safari RBL Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹1,500 | ₹3,000 |
| Fee waiver threshold | Waived at ₹2,75,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,742/yr | -₹2,052/yr |
| Fuel | ₹900 → 135 pts/mo × ₹0.50/pt = ₹67.50/mo (₹810/yr) · issuer max ₹1,000/mo | — |
| Travel | — | ₹3,000 → 80 pts/mo × ₹0.30/pt = ₹24/mo (₹288/yr) |
| Top reward rate | 15 fuel points / ₹100 | 4X points |
| Primary reward cap | ₹1,000 rewards/mo cap | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | None | 2 domestic/quarter + 2 intl/year (Priority Pass) · ₹35,000/quarter retail spend for domestic lounge from Jul 2025; bonus PP visit at ₹50k/quarter |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Utilities · Insurance · Quasi-cash · Railways · Rent | EMI · Rent · Wallet |
| Bonuses | ||
| Signup bonus | ₹1,500 | ₹3,000 |
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.
More IndianOil RBL Bank XTRA Credit Card comparisons
- IndianOil RBL Bank XTRA Credit Card vs 811 Dream Different Credit Card
- IndianOil RBL Bank XTRA Credit Card vs AU Altura Credit Card
- IndianOil RBL Bank XTRA Credit Card vs AU Altura+ Credit Card
- IndianOil RBL Bank XTRA Credit Card vs AU LIT Credit Card
- IndianOil RBL Bank XTRA Credit Card vs AU Zenith Credit Card
- IndianOil RBL Bank XTRA Credit Card vs American Express Gold Card
- IndianOil RBL Bank XTRA Credit Card vs American Express Platinum Travel Card
- IndianOil RBL Bank XTRA Credit Card vs American Express SmartEarn Credit Card
- IndianOil RBL Bank XTRA Credit Card vs Amex Membership Rewards CC
- IndianOil RBL Bank XTRA Credit Card vs Axis Bank ACE Credit Card
- IndianOil RBL Bank XTRA Credit Card vs Axis Bank Airtel Credit Card
- IndianOil RBL Bank XTRA Credit Card vs Axis Bank Atlas Credit Card