Indiaonoil Rbl Bank Xtra Credit Card vs Rbl Bank Icon World Mastercard Credit Card: Which is Better in 2026?
vs
The Rbl Bank Icon World Mastercard Credit Card offers a range of rewards and benefits that significantly surpass those of the Indiaonoil Rbl Bank Xtra Credit Card. With a focus on international purchases and dining rewards, it caters well to frequent travelers and diners. In contrast, the Indiaonoil card lacks any notable benefits or features.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Indiaonoil Rbl Bank Xtra Credit Card | Rbl Bank Icon World Mastercard Credit Card |
|---|---|---|
| Bank | RBL Bank | RBL Bank |
| Network | MasterCard | MasterCard |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.5000 |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | Earn 20 Reward Points on International Purchases |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | Pay $35 For International Lounge Access |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome Benefit - 20000 Reward Points |
| Milestone benefit | — | Earn 10000 Reward Points on Spend of Rs.3 Lakhs; Earn 15000 Reward Points on Spend of Rs.5 Lakhs |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Rbl Bank Icon World Mastercard Credit Card excels in rewards, offering 20 Reward Points on international purchases and additional points for weekend dining. In comparison, the Indiaonoil Rbl Bank Xtra Credit Card does not provide any rewards or points, making it less appealing for users looking to earn benefits through their spending.
Which is better for travel?
For travel benefits, the Rbl Bank Icon World Mastercard provides access to domestic lounges and offers international lounge access for a fee. The Indiaonoil Rbl Bank Xtra Credit Card, however, does not include any travel-related perks, making it less suitable for travelers who value lounge access and related benefits.
Which has lower effective cost?
Both cards have no joining fee, but the Rbl Bank Icon World Mastercard has a renewal fee of Rs.5000. The Indiaonoil card does not specify any fees, which may suggest a simpler fee structure, but it also lacks any associated benefits. Therefore, while the Rbl Bank Icon card has a higher fee, it offers substantial rewards that may justify the cost.
Who should pick Indiaonoil Rbl Bank Xtra Credit Card?
Consider the Indiaonoil Rbl Bank Xtra Credit Card if you prefer a no-frills card without any annual fees or complex reward structures. It may appeal to those who do not wish to engage in reward programs or travel benefits.
Who should pick Rbl Bank Icon World Mastercard Credit Card?
Consider the Rbl Bank Icon World Mastercard Credit Card if you are a frequent traveler or diner looking to maximize your rewards. Its extensive benefits, including significant reward points on international purchases and dining, make it a strong choice for those who spend in these categories.
Frequently Asked Questions
No, the Indiaonoil Rbl Bank Xtra Credit Card does not offer any rewards or benefits.
The renewal fee for the Rbl Bank Icon World Mastercard is Rs.5000.
Yes, the Rbl Bank Icon World Mastercard offers 2 complimentary domestic lounge accesses per quarter and paid access to international lounges.
Neither the Indiaonoil Rbl Bank Xtra Credit Card nor the Rbl Bank Icon World Mastercard has a joining fee.