5 EDGE Reward Points / ₹100
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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.
The short answer
VerdictPick Privilege for lounge access.
Head-to-head
Three core metrics- Annual fee Privilege ₹1,500 Waivable at ₹5,00,000 spendIndianOil RBL Bank XTRA ₹1,500 Waivable at ₹2,75,000 or more spend
- Forex markup Privilege 3.5%IndianOil RBL Bank XTRA 3.5%
- Domestic lounge Privilege: +8 lounge visits/yrPrivilege 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar monthsIndianOil RBL Bank XTRA No complimentary lounge access
Reward earning explained
Per card2 Fuel Points / ₹100 · Up to 15 Fuel Points / ₹100 on IndianOil
Strong 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%.
All 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.
| Field | Privilege Axis Bank | IndianOil RBL Bank XTRA RBL Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs No complimentary lounge access | 8/year (2 per quarter) | No complimentary lounge access |
| International lounge visits Only available for Privilege | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee | ₹1,500 | ₹1,500 |
| First-year cost Only available for IndianOil RBL Bank XTRA | Not specified | ₹1,500 |
| Annual-fee waiver ₹5,00,000 vs ₹2,75,000 or more | ₹5,00,000 | ₹2,75,000 or more |
| Interest-free period Only available for Privilege | Up to 50 days | Not specified |
| Monthly interest rate 3.75% / month vs 3.99% / month | 3.75% / month | 3.99% / month |
| Late-payment charge Only available for Privilege | ₹750–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit Only available for Privilege | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap · Fuel rewards excluded | Not specified |
| Rewards | ||
| Points per ₹100 5 EDGE Reward Points / ₹100 vs 2 Fuel Points / ₹100 | 5 EDGE Reward Points / ₹100 | 2 Fuel Points / ₹100 |
| Conservative base value | ~1% | ~1% |
| Earn ceiling Not stated vs 2,000 Fuel Points per month; at 15 Fuel Points / ₹100, this lane reaches the cap at ~₹13,000 of eligible spend | Not stated | 2,000 Fuel Points per month; at 15 Fuel Points / ₹100, this lane reaches the cap at ~₹13,000 of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹0.5 | ₹0.2 | ₹0.5 |
Notes
- Axis Bank Privilege Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank Privilege
Verify with issuer , opens external siteRBL Bank IndianOil RBL Bank XTRA
Verify with issuer , opens external site