IndianOil RBL Bank XTRA Credit Card vs RBL Bank ShopRite Credit Card
How IndianOil RBL Bank XTRA Credit Card and RBL Bank ShopRite Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
Apply links will be affiliate links once activated — we may earn a commission at no extra cost to you; it never changes this comparison. How we make money →
Quick take
Neither is lifetime-free: IndianOil RBL Bank XTRA Credit Card costs ₹1,500 + GST (waived on ₹2.75L annual spend) and RBL Bank ShopRite Credit Card costs Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) — both waivable on spend, so the rewards decide it.
IndianOil RBL Bank XTRA Credit Card — better for heavy indianoil fuel users who want the highest fuel value-back.
RBL Bank ShopRite Credit Card — better for households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite rbl listing it on its ltf page).
Side by side
| IndianOil RBL Bank XTRA Credit CardRBL Bank | RBL Bank ShopRite Credit CardRBL Bank | |
|---|---|---|
| Annual fee | ₹1,500 + GST (waived on ₹2.75L annual spend) | Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) |
| Reward rate | 15 fuel pts/₹100 at IndianOil (cap 2,000/mo); 2 pts/₹100 elsewhere | 20 RP/₹100 on grocery (cap 1,000 RP/month); 1 RP/₹100 on other categories; 1 RP = ₹0.25 |
| Lifetime-free | No | No |
| Network | Visa / Mastercard | Visa / Mastercard / RuPay |
| Eligibility | Salaried or self-employed; approx 21–70 yrs | Age 18-65; regular income source (approx, aggregator-sourced; RBL doesn't publish a fixed minimum income) |
| Best for | Heavy IndianOil fuel users who want the highest fuel value-back. | Households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite RBL listing it on its LTF page). |
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
RBL Bank ShopRite Credit Card
- 20 RP per ₹100 on grocery (cap 1,000 RP/month); 1 RP per ₹100 on other spends
- 1% fuel surcharge waiver on transactions ₹500-₹4,000 (max ₹100/month)
- 10% off on BookMyShow movie tickets (max ₹100, up to 15 times/year) + 2,000 RP welcome bonus on first txn within 30 days
IndianOil RBL Bank XTRA Credit Card vs RBL Bank ShopRite Credit Card — FAQs
Neither is universally better. IndianOil RBL Bank XTRA Credit Card suits heavy indianoil fuel users who want the highest fuel value-back. RBL Bank ShopRite Credit Card suits households who spend heavily on grocery and want accelerated rewards plus a fuel surcharge waiver on a low-fee card (not a lifetime-free card, despite rbl listing it on its ltf page). Compare the annual fee and reward rate above against your own spending — that's what decides it.
Neither is lifetime-free: IndianOil RBL Bank XTRA Credit Card costs ₹1,500 + GST (waived on ₹2.75L annual spend) and RBL Bank ShopRite Credit Card costs Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L annual spend) — both waivable on spend, so the rewards decide it. On rewards, 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. whereas RBL Bank ShopRite Credit Card gives 20 reward points per ₹100 on grocery spends (capped at 1,000 rp/month, i.e. ~₹250/month value at 1 rp = ₹0.25)
IndianOil RBL Bank XTRA Credit Card: ₹1,500 + GST (waived on ₹2.75L annual spend). RBL Bank ShopRite Credit Card: Joining fee nil; annual fee ₹500 + GST (waived on ₹1.5L 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.