Indiaonoil Rbl Bank Xtra Credit Card vs Rbl Bank Platinum Plus Mastercard Credit Card: Which is Better in 2026?
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The Indiaonoil Rbl Bank Xtra Credit Card offers limited benefits, while the Rbl Bank Platinum Plus Mastercard Credit Card provides a more comprehensive rewards structure and additional features. This comparison highlights the differences in rewards, travel perks, and costs associated with each card.
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 Xtra 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 1 Reward Point per Rs.100 spent, with double points on online transactions. In contrast, the Indiaonoil Rbl Bank Xtra Credit Card lacks any rewards program, making it less appealing for those looking to earn points on their spending.
Which is better for travel?
When it comes to travel benefits, the Rbl Bank Platinum Plus Mastercard Credit Card provides 2 complimentary domestic lounge accesses per year, enhancing the travel experience for cardholders. The Indiaonoil Rbl Bank Xtra Credit Card, however, does not offer any lounge access or travel-related perks, making it less suitable for frequent travelers.
Which has lower effective cost?
The Rbl Bank Platinum Plus Mastercard Credit Card has an annual fee of Rs.999, which can be waived with a minimum spend of Rs.1 lakh. The Indiaonoil Rbl Bank Xtra Credit Card does not have any specified fees, which might appeal to those looking for a no-cost option, but the lack of benefits may outweigh this advantage.
Who should pick Indiaonoil Rbl Bank Xtra Credit Card?
Consider Indiaonoil Rbl Bank Xtra Credit Card if you prefer a card with no annual fees and do not require rewards or travel benefits. This card may suit those who want a straightforward option without the complexities of earning points or accessing lounges.
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 offers rewards on every purchase and travel benefits such as lounge access. This card is ideal for users who frequently spend online and want to maximize their rewards.
Frequently Asked Questions
The Rbl Bank Platinum Plus Mastercard Credit Card has an annual fee of Rs.999, while the Indiaonoil Rbl Bank Xtra Credit Card does not specify any fees.
Yes, the Rbl Bank Platinum Plus Mastercard Credit Card offers 1 Reward Point per Rs.100 spent, while the Indiaonoil Rbl Bank Xtra Credit Card does not offer any rewards.
The Rbl Bank Platinum Plus Mastercard Credit Card offers 2 complimentary domestic lounge accesses per year, while the Indiaonoil Rbl Bank Xtra Credit Card does not provide any travel benefits.
Yes, the annual fee can be waived if you spend Rs.1 lakh in a year.