- Annual fee ₹1,500 Waivable at ₹5,00,000 spend
- Forex markup 3.5%
- Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Pairwise comparison
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Axis Bank Privilege vs RBL Bank IndianOil RBL Bank XTRA Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank Privilege and the RBL Bank IndianOil RBL Bank XTRA. Verify fees, lounge access, forex markup, and base rewards before you apply.
Lounge Axis Bank Privilege
Quick comparison
Three core metrics- Annual fee ₹1,500 Waivable at ₹2,75,000 spend
- Forex markup 3.5%
- Domestic lounge No complimentary lounge access
Reward earning explained
Per card5 EDGE Miles / ₹100
1% · Up to 15 Fuel Points / ₹100 on IndianOil
Limited dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank Privilege: ₹1,500 vs RBL Bank IndianOil RBL Bank XTRA: ₹1,500), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per quarter) vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Axis Bank Privilege wins Axis Bank Privilege is better for lounge access
Axis Bank Privilege is stronger here. Domestic lounge access is 2 per quarter.
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Rewards Tie Both cards are similar for rewards
Axis Bank Privilege conservative base value ~1% vs RBL Bank IndianOil RBL Bank XTRA's ~1%. RBL Bank IndianOil RBL Bank XTRA conservative base value ~1% vs Axis Bank Privilege's ~1%.
Axis Bank Privilege
Confidence: Low (limited information available)
Verify with issuer , opens external siteRBL Bank IndianOil RBL Bank XTRA
Confidence: Low (limited information available)
Verify with issuer , opens external siteAll fields
Example usage at this monthly spend
At ₹50k/month spend:
- Privilege: ~₹500/month at base rate
- IndianOil RBL Bank XTRA: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Privilege Axis Bank | IndianOil RBL Bank XTRA RBL Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs No complimentary lounge access | 8/year (2 per quarter) | No complimentary lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee | ₹1,500 | ₹1,500 |
| Joining fee | ₹1,500 | ₹1,500 |
| Fee waiver spend ₹5,00,000 vs ₹2,75,000 | ₹5,00,000 | ₹2,75,000 |
| Interest-free period Only available for Privilege | Up to 50 days | Not specified |
| Rewards | ||
| Base earn 5 EDGE Miles / ₹100 vs 1% | 5 EDGE Miles / ₹100 | 1% |
| Conservative base value | ~1% | ~1% |
| Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for Privilege | ₹0.2 | Not specified |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.