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

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

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

IndianOil RBL Bank XTRA Credit Card has a lower annual fee (₹1,500 vs ₹2,999).

Which card offers better lounge access?

IndianOil RBL Bank XTRA Credit Card: No complimentary lounge access. SBI Card Prime: 2 per quarter domestic + 4 per year international.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

RBL Bank IndianOil RBL Bank XTRA vs SBI Card Prime Credit Cards – Fees, Lounge, Forex

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

Lounge SBI Card Prime

Quick comparison

Three core metrics

IndianOil RBL Bank XTRA RBL Bank

Annual fee ₹1,500 Waivable at ₹2,75,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Prime SBI Card

Annual fee ₹2,999 Waivable at ₹3,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year (2 per quarter)

Reward earning explained

Per card

IndianOil RBL Bank XTRA

1% · Up to 15 Fuel Points / ₹100 on IndianOil

Limited data

Prime

2 pts / ₹100 · Up to 10 pts / ₹100 on Departmental Stores

Limited data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (RBL Bank IndianOil RBL Bank XTRA: ₹1,500 vs SBI Card Prime: ₹2,999), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 8/year (2 per quarter)).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access SBI Card Prime wins

SBI Card Prime is better for lounge access

SBI Card Prime is stronger here. Domestic lounge access is 2 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: RBL Bank IndianOil RBL Bank XTRA conservative base value ~1% per ₹100. SBI Card Prime is not safely INR-comparable (no usable point value).

IndianOil RBL Bank XTRA: Limited data Prime: Limited data

RBL Bank IndianOil RBL Bank XTRA

Confidence: Low (limited information available)

Verify with issuer

SBI Card Prime

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

IndianOil RBL Bank XTRA: ~₹500/month at base rate
SBI Prime: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	IndianOil RBL Bank XTRA RBL Bank	Prime SBI Card
Lounge Access
Domestic lounge visits No complimentary lounge access vs 8/year (2 per quarter)	No complimentary lounge access	8/year (2 per quarter)
International lounge visits Only available for SBI Prime	Not specified	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,500 vs ₹2,999	₹1,500	₹2,999
Joining fee ₹1,500 vs ₹2,999	₹1,500	₹2,999
Fee waiver spend ₹2,75,000 vs ₹3,00,000	₹2,75,000	₹3,00,000
Interest-free period Only available for SBI Prime	Not specified	Up to 50 days
Rewards
Base earn Some reward lanes are unsupported — base rate only for comparison. 1% vs 2 pts / ₹100	1%	2 pts / ₹100
Conservative base value ~1% vs Not safely INR-comparable	~1%	Not safely INR-comparable

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.