Indiaonoil Rbl Bank Credit Card vs Rbl Bank Platinum Plus Mastercard Credit Card: Which is Better in 2026?
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The Indiaonoil Rbl Bank Credit Card offers limited benefits, while the Rbl Bank Platinum Plus Mastercard Credit Card provides a more comprehensive rewards program and additional perks. This comparison highlights the differences in rewards, travel benefits, and fees between the two cards.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Indiaonoil Rbl Bank Credit Card | Rbl Bank Platinum Plus Mastercard Credit Card |
|---|---|---|
| Bank | RBL Bank | RBL Bank |
| Network | MasterCard | MasterCard |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.999 |
| Annual fee waiver | — | Spend Rs.1 Lakh For Waiver of Annual Membership Fee |
| Reward rate (headline) | — | Earn 2X Reward Points per Rs.100 on Online Spends |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | 4000 Reward Points on Payment of Annual Fee |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Rbl Bank Platinum Plus Mastercard Credit Card is clearly superior for rewards, offering 2X reward points on online spends and a welcome benefit of 4000 reward points upon payment of the annual fee. In contrast, the Indiaonoil Rbl Bank Credit Card does not provide any rewards or points accumulation, making it less appealing for those looking to earn from their spending.
Which is better for travel?
For travel benefits, the Rbl Bank Platinum Plus Mastercard Credit Card includes 2 complimentary domestic airport lounge accesses per year, enhancing its value for frequent travelers. The Indiaonoil Rbl Bank Credit Card lacks any lounge access or travel-related benefits, making it less suitable for users who prioritize travel perks.
Which has lower effective cost?
Regarding fees, the Rbl Bank Platinum Plus Mastercard Credit Card has an annual fee of Rs.999, which can be waived by spending Rs.1 lakh in a year. The Indiaonoil Rbl Bank Credit Card does not specify any fees or waivers, leading to ambiguity about its cost-effectiveness. Overall, the Rbl Bank Platinum Plus Mastercard offers a clearer structure for fees and potential waivers.
Who should pick Indiaonoil Rbl Bank Credit Card?
Consider the Indiaonoil Rbl Bank Credit Card if you prefer a card with no annual fees or if you are looking for a basic credit card without the need for rewards or travel benefits. This card may suit those who want simplicity in their credit card usage.
Who should pick Rbl Bank Platinum Plus Mastercard Credit Card?
Consider Rbl Bank Platinum Plus Mastercard Credit Card if you are looking for a card that rewards your spending, especially for online purchases, and provides travel benefits like lounge access. This card is ideal for users who frequently spend online and travel domestically.
Frequently Asked Questions
The Rbl Bank Platinum Plus Mastercard Credit Card offers 4000 reward points upon payment of the annual fee.
No, the Indiaonoil Rbl Bank Credit Card does not offer any rewards or points accumulation.
The annual fee for the Rbl Bank Platinum Plus Mastercard Credit Card is Rs.999.
Yes, the annual fee can be waived if you spend Rs.1 lakh in a year.