Indian Oil HDFC vs IndianOil RBL Bank XTRA
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IndianOil RBL Bank XTRA Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.6/10 vs 7.2/10.
| Feature | Indian Oil HDFC | IndianOil RBL Bank XTRA |
|---|---|---|
| CardTrail Score | 7.2/10 | 7.6/10 |
| Annual Fee | ₹500 | ₹1,500 |
| Base Reward Rate | 0.67% | 1% |
| Max Reward Rate | 5% | 8.5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Mastercard |
When to Choose Indian Oil HDFC
- You can meet the fee waiver condition: Spend ₹50K/year
- Your primary spend is: fuel, cashback
When to Choose IndianOil RBL Bank XTRA
- You can meet the fee waiver condition: Spend Rs 2.75L/year
- You want higher rewards — up to 8.5% vs 5%
- Your primary spend is: fuel, indianoil, petrol
Annual Fee Value Analysis
To break even on Indian Oil HDFC's ₹500 fee at 0.67% rewards, spend ₹6,219/month.
To break even on IndianOil RBL Bank XTRA's ₹1,500 fee at 1% rewards, spend ₹12,500/month.