Indiaonoil Rbl Bank Xtra Credit Card vs Rbl Platinum Choice Mastercard Credit Card: Which is Better in 2026?
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The Indiaonoil Rbl Bank Xtra Credit Card offers minimal benefits, while the Rbl Platinum Choice Mastercard Credit Card provides more structured rewards and waivers. This comparison highlights the key differences in rewards, fees, and overall value between these 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 Xtra Credit Card | Rbl Platinum Choice Mastercard Credit Card |
|---|---|---|
| Bank | RBL Bank | RBL Bank |
| Network | MasterCard | MasterCard |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.499 |
| Annual fee waiver | — | Spend Rs.50000 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 | — | 2000 Reward Points on Payment of Annual Fee |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Rbl Platinum Choice Mastercard Credit Card is clearly better for rewards, offering 1 Reward Point per Rs.100 spent and 2X points on online transactions. In contrast, the Indiaonoil Rbl Bank Xtra Credit Card lacks any rewards structure, making it less appealing for users looking to earn points on their spending.
Which is better for travel?
Both cards do not provide any specific travel benefits like lounge access or travel insurance, resulting in a tie in this category. Users seeking travel perks may need to look elsewhere, as neither card offers significant travel-related features.
Which has lower effective cost?
The Rbl Platinum Choice Mastercard Credit Card has a nominal annual fee of Rs.499, which can be waived with a spend of Rs.50,000. The Indiaonoil Rbl Bank Xtra Credit Card does not have any clearly defined fees or waivers, making it less transparent in terms of costs.
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 or complex waivers. However, be aware that it lacks rewards and benefits, making it suitable only for basic usage.
Who should pick Rbl Platinum Choice Mastercard Credit Card?
Consider Rbl Platinum Choice Mastercard Credit Card if you are looking for a card that offers rewards on your spending and a clear path to waiving the annual fee. This card is more beneficial for users who frequently spend online.
Frequently Asked Questions
The Indiaonoil Rbl Bank Xtra Credit Card does not specify any annual fees.
The Rbl Platinum Choice Mastercard Credit Card offers 1 Reward Point per Rs.100 spent and 2X Reward Points on online spends.
Yes, the annual fee of Rs.499 can be waived by spending Rs.50,000 in a year.
Both cards do not offer any specific travel benefits such as lounge access or travel insurance.