2 Fuel Points / ₹100 · Up to 15 Fuel Points / ₹100 on IndianOil
Strong data Pairwise comparison
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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.
The short answer
VerdictPick IndianOil RBL Bank XTRA for rewards.
Pick Prime for lounge access.
Head-to-head
Three core metrics- Annual fee IndianOil RBL Bank XTRA saves ₹1,499/yrIndianOil RBL Bank XTRA ₹1,500 Waivable at ₹2,75,000 or more spendPrime ₹2,999 Waivable at ₹3,00,000 spend
- Forex markup IndianOil RBL Bank XTRA 3.5%Prime 3.5%
- Domestic lounge Prime: +8 lounge visits/yrIndianOil RBL Bank XTRA No complimentary lounge accessPrime 8/year (2 per quarter)
Reward earning explained
Per card2 pts / ₹100 · 10 points/₹100 on eligible departmental Stores, dining, grocery, and movies
Strong dataPick based on what matters
3 dimensionsStart 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)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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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.
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Rewards RBL Bank IndianOil RBL Bank XTRA wins RBL Bank IndianOil RBL Bank XTRA is better for rewards
RBL Bank IndianOil RBL Bank XTRA is stronger here. RBL Bank IndianOil RBL Bank XTRA conservative base value ~1% vs SBI Card Prime's ~0.5%.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- IndianOil RBL Bank XTRA: ~₹500/month at base rate
- SBI Prime: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
| 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 per year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,500 vs ₹2,999 | ₹1,500 | ₹2,999 |
| First-year cost Only available for IndianOil RBL Bank XTRA | ₹1,500 | Not specified |
| Annual-fee waiver ₹2,75,000 or more vs ₹3,00,000 | ₹2,75,000 or more | ₹3,00,000 |
| Interest-free period Only available for SBI Prime | Not specified | Up to 50 days |
| Monthly interest rate 3.99% / month vs 3.75% / month | 3.99% / month | 3.75% / month |
| Rewards | ||
| Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 2 Fuel Points / ₹100 vs 2 pts / ₹100 | 2 Fuel Points / ₹100 | 2 pts / ₹100 |
| Conservative base value ~1% vs ~0.5% | ~1% | ~0.5% |
| Earn ceiling 2,000 Fuel Points per month; at 15 Fuel Points / ₹100, this lane reaches the cap at ~₹13,000 of eligible spend vs 3,000 points per month; at 20 pts / ₹100, this lane reaches the cap at ₹15,000 of eligible spend | 2,000 Fuel Points per month; at 15 Fuel Points / ₹100, this lane reaches the cap at ~₹13,000 of eligible spend | 3,000 points per month; at 20 pts / ₹100, this lane reaches the cap at ₹15,000 of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.5 vs ₹0.25 | ₹0.5 | ₹0.25 |
| Point validity Only available for SBI Prime | Not specified | 2 years |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
RBL Bank IndianOil RBL Bank XTRA
Verify with issuer , opens external siteSBI Card Prime
Verify with issuer , opens external site