IndianOil RBL Bank XTRA vs SBI BPCL Octane
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
SBI BPCL Octane Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.8/10 vs 7.6/10.
| Feature | IndianOil RBL Bank XTRA | SBI BPCL Octane |
|---|---|---|
| CardTrail Score | 7.6/10 | 7.8/10 |
| Annual Fee | ₹1,500 | ₹1,499 |
| Base Reward Rate | 1% | 0.25% |
| Max Reward Rate | 8.5% | 6.25% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 4 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Mastercard | Visa |
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 6.25%
- Your primary spend is: fuel, indianoil, petrol
When to Choose SBI BPCL Octane
- You can meet the fee waiver condition: Spend ₹2L/year
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: fuel, 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 SBI BPCL Octane's ₹1,499 fee at 0.25% rewards, spend ₹49,967/month.