Saifu
Saifu
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IndianOil RBL Bank XTRA vs IndianOil RBL Bank

Reviewed by Chandan Kumar Dash

IndianOil RBL Bank has the lower annual fee (₹500 against ₹1,500). IndianOil RBL Bank XTRA waives its fee on ₹2,75,000 of spend a year; IndianOil RBL Bank waives its fee on ₹1,75,000 of spend a year. On all three sample spends below, IndianOil RBL Bank XTRA comes out ahead after fees. The Saifu app works it out on your own spends, on your phone.

FeatureIndianOil RBL Bank XTRARBL0 winsIndianOil RBL BankRBL2 wins · ahead
Annual fee₹1,500Lower₹500
Joining feeFreeFree
Fee waiverWaived on ₹2,75,000 spend a yearLowerWaived on ₹1,75,000 spend a year
Rewards8.5% value back at IndianOil fuel stations; 250 litres free petrol as fuel points annually6% value back at IndianOil fuel stations; 100 litres free petrol as fuel points annually
Airport loungesNone listedNone listed
Forex markup3.5% plus GST3.5% plus GST
PointsFuel Points, about ₹0.5 a pointFuel Points, about ₹0.5 a point
Published minimum income and ageNot publishedage 21 to 70
NetworkMastercard / RuPayMastercard / RuPay
ApplyApplyAffiliate linkApplyAffiliate 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.

What each card earns in a year

Sample spenderIndianOil RBL Bank XTRAIndianOil RBL Bank
Everyday spender₹30,000 a monthMore₹5,520 a year₹5,520 rewards, no fee to pay₹3,210 a year₹3,210 rewards, no fee to pay
Online shopper₹50,000 a monthMore₹5,520 a year₹5,520 rewards, no fee to pay₹2,760 a year₹2,760 rewards, no fee to pay
Frequent traveller₹1,00,000 a monthMore₹15,420 a year₹15,420 rewards, no fee to pay₹8,460 a year₹8,460 rewards, no fee to pay
The sample spends and how this is worked out
  • Everyday spender, ₹30,000 a month: DMart ₹6,000, BigBasket ₹2,000, Swiggy ₹2,000, Zomato ₹1,500, Amazon ₹3,000, Flipkart ₹1,500, Bills paid on Google Pay ₹2,500, Airtel ₹1,000, Indian Oil ₹3,000, Restaurant (in person) ₹2,500, Uber ₹1,000, Other spends in shops ₹4,000.
  • Online shopper, ₹50,000 a month: Amazon ₹10,000, Flipkart ₹8,000, Myntra ₹3,000, Swiggy ₹4,000, Zomato ₹3,000, Blinkit ₹4,000, BookMyShow ₹1,500, Uber ₹2,000, Bills paid on Google Pay ₹3,000, Jio ₹1,000, Netflix ₹500, Restaurant (in person) ₹3,000, Other spends in shops ₹7,000.
  • Frequent traveller, ₹1,00,000 a month: MakeMyTrip ₹10,000, Cleartrip ₹5,000, IRCTC ₹2,000, IndiGo ₹10,000, Marriott Bonvoy hotels ₹8,000, Spends abroad ₹15,000, Uber ₹4,000, Restaurant (in person) ₹8,000, Amazon ₹10,000, Swiggy ₹5,000, DMart ₹8,000, Bills paid on Google Pay ₹4,000, Indian Oil ₹5,000, Other spends in shops ₹6,000.

Worked out with the same reward rules and caps the Saifu app uses. Points are counted at the cash value in the table above. The annual fee counts as waived when the spend reaches the waiver. Joining fees, welcome gifts and milestone vouchers are not counted. Your own spends will give different figures.

Common questions

Which is better, IndianOil RBL Bank XTRA or IndianOil RBL Bank?

On all three sample spends below, IndianOil RBL Bank XTRA comes out ahead after fees. It depends on where you spend: compare the figures for the sample spender closest to you, or add your own spends in the Saifu app.

Which has the lower annual fee?

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

Add a third cardIndianOil RBL Bank XTRAIndianOil RBL Bank

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