Which card has a lower forex fee: Swiggy HDFC Bank Credit Card or IndianOil RBL Bank XTRA Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Swiggy HDFC Bank Credit Card or IndianOil RBL Bank XTRA Credit Card?

Both cards have the same annual fee (₹500).

Which card offers better lounge access?

Swiggy HDFC Bank Credit Card: No domestic lounge. IndianOil RBL Bank XTRA Credit Card: No domestic lounge.

Which card has a higher base reward rate?

Swiggy HDFC Bank Credit Card has higher base reward value (~1% vs ~0.25%).

Pairwise comparison Add another card →

HDFC Bank Swiggy vs RBL Bank IndianOil RBL Bank XTRA Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Swiggy and the RBL Bank IndianOil RBL Bank XTRA. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

Swiggy HDFC Bank

Annual fee ₹500 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

IndianOil RBL Bank XTRA RBL Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

Swiggy

1% on General spend

Limited data

IndianOil RBL Bank XTRA

1% on General spend

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Swiggy: ₹500 vs RBL Bank IndianOil RBL Bank XTRA: ₹500), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Swiggy: Limited data IndianOil RBL Bank XTRA: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 0 visits/year.

Swiggy: Limited data IndianOil RBL Bank XTRA: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Swiggy has comparable evidence here. Estimated base reward value is ~1% on base spend.

Swiggy: Limited data IndianOil RBL Bank XTRA: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹500.

Swiggy: Limited data IndianOil RBL Bank XTRA: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments. Mastercard network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Swiggy HDFC Bank: ~₹500/month at base rate
IndianOil RBL Bank XTRA: ~₹130/month at base rate

Swiggy HDFC Bank shows higher base earn at this spend

Illustrative only, using current base rates before caps.

Field	Swiggy HDFC Bank	IndianOil RBL Bank XTRA RBL Bank
Lounge Access
Domestic lounge visits	No lounge access	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹500	₹500
Joining fee	₹500	₹500
Fee waiver spend Only available for Swiggy HDFC Bank	₹2,00,000	Not specified
Rewards
Points per ₹100	1 pts	1 pts
Point cash value ₹1 vs ₹0.25	₹1	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.