IndusInd Legend Credit Card vs IndianOil RBL Bank XTRA Credit Card
IndusInd Bank · RBL Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
IndusInd BankScoreGood
Annual FeeFree
Max Reward1.5%
ScoreGood
Annual Fee₹1,500
Max Reward8.5%
IndusInd Legend Credit Card leads overall with a CardCheck Score of 68/100 (+3 pts over IndianOil RBL Bank XTRA Credit Card).
4-Pillar Head-to-Head Breakdown
IndusInd vs IndianOilReward Power
35%IndusInd20/35
IndianOil35/35
IndianOil Wins
Fee Value & ROI
25%IndusInd25/25
IndianOil18/25
IndusInd Wins
Lounge & Travel
20%IndusInd11/20
IndianOil4/20
IndusInd Wins
Forex & Access
20%IndusInd12/20
IndianOil8/20
IndusInd Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 68Best
- 65
- Rating Verdict
- Good
- Good
- Reward Power (35%)
- 20/35
- 35/35
- Fee Value & ROI (25%)
- 25/25
- 18/25
- Lounge & Travel (20%)
- 11/20
- 4/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- IndusInd Bank
- RBL Bank
- Network
- Visa
- Mastercard
- Card type
- Regular
- Co-branded
- Best for
- Lifetime-free with lounge access — 4X on dining, weekend entertainment
- Fuel savings at IndianOil stations
03—Fees
- Joining fee
- FreeBest
- ₹1,500
- Annual fee
- FreeBest
- ₹1,500
- Fee waiver
- —
- ₹2,75,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 42%Best
- 47.88%
- APR (max)
- 42%Best
- 47.88%
- Late payment fee
- —
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.5%
- 1%Best
- Max rate
- 1.5%
- 8.5%Best
- Points / ₹100
- —
- 2
- Point value
- —
- ₹0.5
- Monthly cap
- —
- ₹2,000
06—Travel & Lounge
- Domestic lounge / qtr
- 1
- —
- Intl lounge / year
- 0
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- —
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- —
- Min income / month
- ₹25,000
- —
- Min CIBIL
- 700
- —
- Invite only
Rows won
05of 07
02of 07
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 68Best | 65 |
| Rating Verdict | Good | Good |
| Reward Power (35%) | 20/35 | 35/35 |
| Fee Value & ROI (25%) | 25/25 | 18/25 |
| Lounge & Travel (20%) | 11/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | IndusInd Bank | RBL Bank |
| Network | Visa | Mastercard |
| Card type | Regular | Co-branded |
| Best for | Lifetime-free with lounge access — 4X on dining, weekend entertainment | Fuel savings at IndianOil stations |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹1,500 |
| Annual fee | FreeBest | ₹1,500 |
| Fee waiver | — | ₹2,75,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 47.88% |
| APR (max) | 42%Best | 47.88% |
| Late payment fee | — | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.5% | 1%Best |
| Max rate | 1.5% | 8.5%Best |
| Points / ₹100 | — | 2 |
| Point value | — | ₹0.5 |
| Monthly cap | — | ₹2,000 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 1 | — |
| Intl lounge / year | 0 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | — |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | — |
| Min income / month | ₹25,000 | — |
| Min CIBIL | 700 | — |
| Invite only | ||
| Rows won | 05of 07 | 02of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IndusInd Legend Credit Card | IndianOil RBL Bank XTRA Credit Card |
|---|---|---|
| CardCheck Score | 68/100Good | 65/100Good |
| Annual Fee | Free (₹0) | ₹1,500 |
| Fee Waiver Spend | No waiver | ₹2.8L/yr |
| Max Reward Potential | 1.5% | 8.5% |
| Domestic Lounge Access | 1 / quarter | Check terms |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose IndusInd Legend Credit Card if:
Your spending centers around lifetime-free with lounge access — 4x on dining, weekend entertainment and you want direct partner rewards with IndusInd Bank.
Choose IndianOil RBL Bank XTRA Credit Card if:
Your spending aligns with fuel savings at indianoil stations and you prioritize RBL Bank's redemption benefits.
Frequently asked questions: IndusInd Legend Credit Card vs IndianOil RBL Bank XTRA Credit Card
- Which is better: IndusInd Legend Credit Card or IndianOil RBL Bank XTRA Credit Card?
- IndusInd Legend Credit Card holds a higher overall rating with a CardCheck Score of 68/100 (Good) compared to 65/100 (Good) for IndianOil RBL Bank XTRA Credit Card (a lead of +3 points). IndusInd Legend Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- IndusInd Legend Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, IndianOil RBL Bank XTRA Credit Card charges an annual fee of ₹1,500 with an annual spend threshold of ₹2.8 Lakh.
- How do the reward rates and cashback compare between IndusInd Legend Credit Card and IndianOil RBL Bank XTRA Credit Card?
- IndusInd Legend Credit Card offers a base reward rate of 0.5% and up to 1.5% on accelerated partner categories. Meanwhile, IndianOil RBL Bank XTRA Credit Card offers a base rate of 1% and up to 8.5% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: IndusInd Legend Credit Card or IndianOil RBL Bank XTRA Credit Card?
- IndusInd Legend Credit Card provides 1 domestic lounge visit(s) per quarter. On the other hand, IndianOil RBL Bank XTRA Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- IndusInd Legend Credit Card levies a foreign currency markup fee of 3.5%, while IndianOil RBL Bank XTRA Credit Card charges 3.50%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).