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IndianOil Axis Bank Card vs RBL IOCL XTRA Credit Card

A head-to-head comparison of IndianOil Axis Bank Card and RBL IOCL XTRA Credit Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

FuelCard A

IndianOil Axis Bank Card

Fuel + Entertainment

Annual Fee
₹500
Reward Rate
4% Value Back
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FuelCard B

RBL IOCL XTRA Credit Card

Heavy IndianOil Users

Annual Fee
₹1,500
Reward Rate
8.5% value back at IndianOil (15 Fuel Points/₹100 + surcharge waiver)
Apply Now Read full review →

Feature comparison

FeatureIndianOil AxisRBL IOCL
Annual Fee₹500 (Waived on ₹3.5L spend — revised April 2025)₹1,500 + GST (Waived on ₹2.75L annual spend)
Reward Rate4% Value Back8.5% value back at IndianOil (15 Fuel Points/₹100 + surcharge waiver)
Best ForFuel + EntertainmentHeavy IndianOil Users
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryIndianOil AxisRBL IOCL
Fuel
Movies & entertainment
Fuel surcharge waiver

Quick verdict

Choose IndianOil Axis Bank Card if:

  • Lower annual fee (₹500 vs ₹1,500)
  • You spend heavily on movies & entertainment
  • This is your first credit card

Choose RBL IOCL XTRA Credit Card if:

    Full pros & cons

    IndianOil Axis Bank Card

    What's good
    • Instant 10% discount on movie tickets via BookMyShow
    • Fuel surcharge waiver at IndianOil stations
    Watch out for
    • Fuel rewards restricted to IndianOil stations only
    • Fee waiver threshold increased from ₹50K to ₹3.5L (April 2025) — significantly harder to achieve
    • Strict reward caps on entertainment and fuel categories
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    RBL IOCL XTRA Credit Card

    What's good
    • Issuer-claimed 8.5% value back at IndianOil fuel stations
    • 1% fuel surcharge waiver up to ₹200 per month
    • Welcome benefit: 3,000 Fuel Points on eligible activation spend
    • Quarterly milestone: 1,000 Fuel Points on ₹75,000 quarterly spend
    Watch out for
    • Core value is tied to IndianOil stations and XTRA reward redemption
    • High annual fee versus entry-level fuel cards
    • Check current T&C for reward exclusions and monthly earn caps
    Apply Now
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