IndianOil RBL Bank XTRA Credit Card vs BPCL SBI Card OCTANE
RBL Bank · SBI Card — side-by-side CardCheck comparison
·4.4/ 5
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
ScoreGood
Annual Fee₹1,500
Max Reward8.5%
SBI CardScoreVery Good
Annual Fee₹1,499
Max Reward6.25%
BPCL SBI Card OCTANE leads overall with a CardCheck Score of 77/100 (+8 pts over IndianOil RBL Bank XTRA Credit Card).
4-Pillar Head-to-Head Breakdown
IndianOil vs BPCLReward Power
35%IndianOil35/35
BPCL34/35
IndianOil Wins
Fee Value & ROI
25%IndianOil18/25
BPCL20/25
BPCL Wins
Lounge & Travel
20%IndianOil4/20
BPCL11/20
BPCL Wins
Forex & Access
20%IndianOil12/20
BPCL12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 69
- 77Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 35/35
- 34/35
- Fee Value & ROI (25%)
- 18/25
- 20/25
- Lounge & Travel (20%)
- 4/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- RBL Bank
- SBI Card
- Network
- RuPay
- Visa
- Card type
- Co-branded
- Co-branded
- Best for
- Fuel savings at IndianOil stations
- BPCL power users — 25X fuel points (6.25%) + 1% surcharge waiver = 7.25% total
03—Fees
- Joining fee
- ₹1,500
- ₹1,499Best
- Annual fee
- ₹1,500
- ₹1,499Best
- Fee waiver
- ₹2,75,000
- ₹2,00,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 47.88%
- 42%Best
- APR (max)
- 47.88%
- 42%Best
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 1%Best
- 0.25%
- Max rate
- 8.5%Best
- 6.25%
- Points / ₹100
- 2Best
- 1
- Point value
- ₹0.5
- ₹0.25
- Monthly cap
- ₹1,000
- ₹625
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 1
- Lounge spend criteria
- —
- No spend condition
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹25,000
- —
- Invite only
Rows won
03of 09
06of 09
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 69 | 77Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 35/35 | 34/35 |
| Fee Value & ROI (25%) | 18/25 | 20/25 |
| Lounge & Travel (20%) | 4/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | RBL Bank | SBI Card |
| Network | RuPay | Visa |
| Card type | Co-branded | Co-branded |
| Best for | Fuel savings at IndianOil stations | BPCL power users — 25X fuel points (6.25%) + 1% surcharge waiver = 7.25% total |
03—Fees Differences highlighted | ||
| Joining fee | ₹1,500 | ₹1,499Best |
| Annual fee | ₹1,500 | ₹1,499Best |
| Fee waiver | ₹2,75,000 | ₹2,00,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 47.88% | 42%Best |
| APR (max) | 47.88% | 42%Best |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 1%Best | 0.25% |
| Max rate | 8.5%Best | 6.25% |
| Points / ₹100 | 2Best | 1 |
| Point value | ₹0.5 | ₹0.25 |
| Monthly cap | ₹1,000 | ₹625 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 1 |
| Lounge spend criteria | — | No spend condition |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹25,000 | — |
| Invite only | ||
| Rows won | 03of 09 | 06of 09 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | IndianOil RBL Bank XTRA Credit Card | BPCL SBI Card OCTANE |
|---|---|---|
| CardCheck Score | 69/100Good | 77/100Very Good |
| Annual Fee | ₹1,500 | ₹1,499 |
| Fee Waiver Spend | ₹2.8L/yr | ₹2L/yr |
| Max Reward Potential | 8.5% | 6.25% |
| Domestic Lounge Access | Check terms | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose IndianOil RBL Bank XTRA Credit Card if:
Your spending centers around fuel savings at indianoil stations and you want direct partner rewards with RBL Bank.
Choose BPCL SBI Card OCTANE if:
Your spending aligns with bpcl power users — 25x fuel points (6.25%) + 1% surcharge waiver = 7.25% total and you prioritize SBI Card's redemption benefits.
Frequently asked questions: IndianOil RBL Bank XTRA Credit Card vs BPCL SBI Card OCTANE
- Which is better: IndianOil RBL Bank XTRA Credit Card or BPCL SBI Card OCTANE?
- BPCL SBI Card OCTANE holds a higher overall rating with a CardCheck Score of 77/100 (Very Good) compared to 69/100 (Good) for IndianOil RBL Bank XTRA Credit Card (a lead of +8 points). BPCL SBI Card OCTANE gains its scoring lead primarily through lounge & travel privileges (11 vs 4) and fee value & ROI (20 vs 18) while tying on forex & terms.
- How do annual fees and fee waiver spend rules compare?
- IndianOil RBL Bank XTRA Credit Card charges an annual fee of ₹1,500 with an annual spend threshold of ₹2.8 Lakh for renewal fee waiver. In comparison, BPCL SBI Card OCTANE charges an annual fee of ₹1,499 with an annual spend threshold of ₹2 Lakh.
- How do the reward rates and cashback compare between IndianOil RBL Bank XTRA Credit Card and BPCL SBI Card OCTANE?
- IndianOil RBL Bank XTRA Credit Card offers a base reward rate of 1% and up to 8.5% on accelerated partner categories. Meanwhile, BPCL SBI Card OCTANE offers a base rate of 0.25% and up to 6.25% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: IndianOil RBL Bank XTRA Credit Card or BPCL SBI Card OCTANE?
- IndianOil RBL Bank XTRA Credit Card provides no complimentary airport lounge access. On the other hand, BPCL SBI Card OCTANE provides 1 complimentary domestic lounge visit per quarter (4/year).
- Which card is better for international foreign currency spends?
- IndianOil RBL Bank XTRA Credit Card levies a foreign currency markup fee of 3.5%, while BPCL SBI Card OCTANE charges 3.5%. 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).