IndianOil RBL Bank XTRA vs FIRST Power+

Reviewed by Chandan Kumar Dash

FIRST Power+ has the lower annual fee (₹499 against ₹1,500). IndianOil RBL Bank XTRA waives its fee on ₹2,75,000 of spend a year; FIRST Power+ waives its fee on ₹1,50,000 of spend a year. For spends abroad, FIRST Power+ charges the lower forex markup (0% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.

Feature	IndianOil RBL Bank XTRARBL1 win	FIRST Power+IDFC FIRST4 wins · ahead
Annual fee	₹1,500	Lower₹499
Joining fee	LowerFree	₹499
Fee waiver	Waived on ₹2,75,000 spend a year	LowerWaived on ₹1,50,000 spend a year
Rewards	8.5% value back at IndianOil fuel stations; 250 litres free petrol as fuel points annually	Up to 6.5% savings on fuel; 5% as rewards on grocery, utility and FASTag; 3X rewards on UPI and other retail
Airport lounges	None listed	More1 a quarter domestic
Forex markup	3.5% plus GST	Lower0% plus GST
Points	Fuel Points, about ₹0.5 a point	Reward Points, about ₹0.25 a point
Published minimum income and age	Not published	Salaried ₹3,00,000 a year, self-employed ₹3,00,000 a year, age 21+
Network	Mastercard / RuPay	Not listed
Apply	ApplyAffiliate link	ApplyAffiliate link

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

Common questions

Which has the lower annual fee?

FIRST Power+ (₹499 against ₹1,500). IndianOil RBL Bank XTRA waives it on ₹2,75,000 of spend a year. FIRST Power+ waives it on ₹1,50,000 of spend a year.

Add a third card IndianOil RBL Bank XTRA FIRST Power+

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