IndianOil RBL Bank XTRA vs RBL Titanium Delight
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 5.5/10.
| Feature | IndianOil RBL Bank XTRA | RBL Titanium Delight |
|---|---|---|
| CardTrail Score | 7.6/10 | 5.5/10 |
| Annual Fee | ₹1,500 | ₹750 |
| Base Reward Rate | 1% | 0.25% |
| Max Reward Rate | 8.5% | 1% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Mastercard | Mastercard |
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 1%
- Your primary spend is: fuel, indianoil, petrol
When to Choose RBL Titanium Delight
- You can meet the fee waiver condition: Spend ₹1.5L/year
- Your primary spend is: beginners, cashback
Annual Fee Value Analysis
To break even on IndianOil RBL Bank XTRA's ₹1,500 fee at 1% rewards, spend ₹12,500/month.
To break even on RBL Titanium Delight's ₹750 fee at 0.25% rewards, spend ₹25,000/month.