IndianOil HDFC Bank Credit Card vs IndianOil RBL Bank XTRA Credit Card
How IndianOil HDFC Bank Credit Card and IndianOil RBL Bank XTRA Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
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Quick take
Neither is lifetime-free: IndianOil HDFC Bank Credit Card costs ₹500 + GST (waived on ₹50,000 annual spend) and IndianOil RBL Bank XTRA Credit Card costs ₹1,500 + GST (waived on ₹2.75L annual spend) — both waivable on spend, so the rewards decide it.
IndianOil HDFC Bank Credit Card — better for indianoil customers who want a low-fee everyday fuel card.
IndianOil RBL Bank XTRA Credit Card — better for heavy indianoil fuel users who want the highest fuel value-back.
Side by side
| IndianOil HDFC Bank Credit CardHDFC Bank | IndianOil RBL Bank XTRA Credit CardRBL Bank | |
|---|---|---|
| Annual fee | ₹500 + GST (waived on ₹50,000 annual spend) | ₹1,500 + GST (waived on ₹2.75L annual spend) |
| Reward rate | 5% Fuel Points at IndianOil/groceries/bills (capped); 1 FP/₹150 else | 15 fuel pts/₹100 at IndianOil (cap 2,000/mo); 2 pts/₹100 elsewhere |
| Lifetime-free | No | No |
| Network | RuPay / Visa | Visa / Mastercard |
| Eligibility | 18–70 yrs; salaried ₹12,000+/mo or self-employed ITR > ₹6L | Salaried or self-employed; approx 21–70 yrs |
| Best for | IndianOil customers who want a low-fee everyday fuel card. | Heavy IndianOil fuel users who want the highest fuel value-back. |
IndianOil HDFC Bank Credit Card
- 5% Fuel Points at IndianOil outlets, groceries & bill payments (monthly caps)
- 1 Fuel Point per ₹150 on other spends incl. UPI (1 FP ≈ ₹0.96 via XTRAREWARDS)
- 1% fuel-surcharge waiver on ₹400+ fuel txns (max ₹250/cycle)
IndianOil RBL Bank XTRA Credit Card
- 15 fuel points per ₹100 at IndianOil pumps (cap 2,000 pts/month; 1 pt ≈ ₹0.50)
- 1% fuel-surcharge waiver on eligible fuel spends
- 2 fuel points per ₹100 on all other spends
IndianOil HDFC Bank Credit Card vs IndianOil RBL Bank XTRA Credit Card — FAQs
Neither is universally better. IndianOil HDFC Bank Credit Card suits indianoil customers who want a low-fee everyday fuel card. IndianOil RBL Bank XTRA Credit Card suits heavy indianoil fuel users who want the highest fuel value-back. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: IndianOil HDFC Bank Credit Card costs ₹500 + GST (waived on ₹50,000 annual spend) and IndianOil RBL Bank XTRA Credit Card costs ₹1,500 + GST (waived on ₹2.75L annual spend) — both waivable on spend, so the rewards decide it. On rewards, IndianOil HDFC Bank Credit Card gives 5% as fuel points at indianoil, groceries & bill payments, on a low ₹500 fee. whereas IndianOil RBL Bank XTRA Credit Card gives up to ~8.5% value back on indianoil fuel (15 fuel points per ₹100), plus the surcharge waiver.
IndianOil HDFC Bank Credit Card: ₹500 + GST (waived on ₹50,000 annual spend). IndianOil RBL Bank XTRA Credit Card: ₹1,500 + GST (waived on ₹2.75L annual spend). Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.