Indiaonoil Rbl Bank Xtra Credit Card vs Rbl Bank Shoprite Platinum Mastercard Credit Card: Which is Better in 2026?
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The Indiaonoil Rbl Bank Xtra Credit Card offers minimal benefits, lacking any notable rewards or fees, making it less appealing for most users. In contrast, the Rbl Bank Shoprite Platinum Mastercard Credit Card provides a welcome benefit of 2000 reward points, a structured rewards program, and an annual fee that can be waived with sufficient spending.
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 Shoprite Platinum Mastercard Credit Card |
|---|---|---|
| Bank | RBL Bank | RBL Bank |
| Network | MasterCard | MasterCard |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.500 |
| Annual fee waiver | — | Spend Rs.1.5 Lakh For Waiver of Annual Membership Fee |
| Reward rate (headline) | — | Earn 1 Reward Points per Rs.100 |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome Benefit - 2000 Reward Points |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
For rewards, the Rbl Bank Shoprite Platinum Mastercard Credit Card is clearly superior, offering 1 reward point per Rs.100 spent, with enhanced earnings on grocery purchases. The welcome benefit of 2000 reward points further adds to its attractiveness for users looking to maximize their rewards. The Indiaonoil Rbl Bank Xtra Credit Card, however, does not provide any rewards or points, making it less favorable for reward-seeking customers.
Which is better for travel?
Both cards lack significant travel-related benefits such as lounge access or travel insurance. Therefore, they are equally inadequate for frequent travelers. Users seeking travel perks may need to explore other options.
Which has lower effective cost?
When it comes to fees, the Rbl Bank Shoprite Platinum Mastercard Credit Card has an annual fee of Rs.500, which can be waived with a minimum spend of Rs.1.5 lakh. In contrast, the Indiaonoil Rbl Bank Xtra Credit Card does not specify any fees, making it potentially more appealing for users who prefer a no-fee option, although it lacks any benefits.
Who should pick Indiaonoil Rbl Bank Xtra Credit Card?
Consider Indiaonoil Rbl Bank Xtra Credit Card if you are looking for a no-annual-fee credit card with no specific rewards or benefits. This card may suit users who prefer simplicity and do not require additional features.
Who should pick Rbl Bank Shoprite Platinum Mastercard Credit Card?
Consider Rbl Bank Shoprite Platinum Mastercard Credit Card if you want to earn rewards on your spending, especially on groceries. The welcome benefit and potential fee waiver make it a better choice for those who actively use their credit card for purchases.
Frequently Asked Questions
The Indiaonoil Rbl Bank Xtra Credit Card does not specify any annual fees.
The Rbl Bank Shoprite Platinum Mastercard offers 1 reward point per Rs.100 spent and 20 reward points for every Rs.100 spent on groceries.
Yes, there is a welcome benefit of 2000 reward points for the Rbl Bank Shoprite Platinum Mastercard.
Yes, the annual fee of Rs.500 can be waived by spending Rs.1.5 lakh.