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Credit CardsComparisons

IndianOil HDFC Card vs RBL IOCL XTRA Credit Card

A head-to-head comparison of IndianOil HDFC 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
Annual Fee
₹500
Reward Rate
5 FP per ₹150 (~2.5% on IndianOil fuel, ~3.5% with surcharge waiver)
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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)
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Feature comparison

FeatureIndianOil HDFCRBL IOCL
Annual Fee₹500 (Waived on ₹50K spend)₹1,500 + GST (Waived on ₹2.75L annual spend)
Reward Rate5 FP per ₹150 (~2.5% on IndianOil fuel, ~3.5% with surcharge waiver)8.5% value back at IndianOil (15 Fuel Points/₹100 + surcharge waiver)
Best ForCity DriversHeavy IndianOil Users
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryIndianOil HDFCRBL IOCL
Groceries
Fuel
Utility bills
Fuel surcharge waiver

Quick verdict

Choose IndianOil HDFC Card if:

  • Lower annual fee (₹500 vs ₹1,500)
  • You spend heavily on groceries
  • You spend heavily on utility bills
  • This is your first credit card

Choose RBL IOCL XTRA Credit Card if:

    Full pros & cons

    IndianOil HDFC Card

    What's good
    • Very low ₹50k spend threshold for fee waiver
    • Versatile rewards — points earned on groceries and bills too
    • Fuel surcharge waiver at all fuel stations in India (not just IndianOil)
    Watch out for
    • Fuel rewards only valid at IndianOil stations
    • Lower overall reward rate compared to BPCL Octane
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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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