Synopsis: Fuel expenses will end up consuming a huge portion of your monthly budget, however with the appropriate credit card, those refills will be money saved. This article is the comparison of IDFC FIRST Power Credit Card and the RBL Bank IndianOil XTRA Credit Card to determine which card provides a better value to frequent drivers.
The fuel cards which are specifically made to use in buying fuel can save the driver who is a frequent user of fuels a lot of money on their monthly petrol or diesel bills. In India, one of the most commonly used cards includes the IDFC FIRST Power Credit Card and the RBL Bank IndianOil XTRA Credit Card with their fuel rewards, surcharges waiver and many more.
RBL Indian Oil Xtra Credit Card
- Fee: ₹1,500+ GST
- Fee wavier: Fees waived on spending more than ₹2,75,000 annually with Indian Oil
- Fuel benefits:
- 15 fuel points on every 100 spend at IndianOil fuel stations(max 2,000 fuel points per month)
- 2 Fuel points on ₹100 spent on every other expenses like shopping
- 1 Fuel Point = ₹0.50, giving ~7.5% value back on fuel spends.
- 1% fuel surcharge waiver on fuel transactions between ₹500–₹4,000.
- Maximum surcharge waiver: ₹200 per month.
- Total effective savings: up to 8.5% on IndianOil fuel purchases (7.5% rewards + 1% surcharge waiver). Fuel Points can be redeemed directly for fuel at IndianOil outlets.
To apply for RBL Indian Oil Xtra Credit Card, please visit the Official Website
IDFC FIRST Power Credit Card
- Fee: ₹499
- Fee wavier: On spends of ₹1,50,000 or more in a year
- Save up to ₹18,500 annually with this credit card, enough to buy you 175+ litres of fuel
- 30X Reward Points for every ₹150 spent on fuel at HPCL petrol pumps.
- Additional 1.5% savings through Happy Coins when fuel is paid using the HP Pay app.
- 6 Happy Coins per ₹100 spent via HP Pay app for additional rewards.
- Maximum earning limit: up to 600 Happy Coins per month (on spends up to ₹10,000 through HP Pay) and 2,400 max reward per statement cycle.
- ₹500 worth gift voucher on HPCL fuel transaction of ₹500 or above
- Total effective fuel savings: up to 6–6.5% on HPCL fuel spends when rewards and Happy Coins are combined.
- Fuel rewards applicable mainly at HPCL outlets, since it is a co-branded HPCL fuel credit card.
To apply for IDFC FIRST Power Credit Card, please visit the Official website
Example Comparison: Monthly Fuel Spend ₹10,000
| Feature | RBL IndianOil XTRA Credit Card | IDFC FIRST Power Credit Card |
| Fuel brand | IndianOil | HPCL |
| Monthly fuel spend (example) | ₹ 10,000 | ₹ 10,000 |
| Reward rate | ~7.5% via Fuel Points | ~4–5% via Reward Points |
| Value from rewards | ₹ 750 | ~₹400–₹500 |
| Fuel surcharge waiver | 1% (₹100) | 1% (₹100) |
| Total monthly savings | ~₹850 | ~₹500–₹600 |
| Total yearly savings | ~₹10,200 | ~₹6,000–₹7,200 |
The RBL IndianOil XTRA Credit Card is better in terms of the overall savings, primarily because it has a greater reward rate on fuel purchases. Although the IDFC FIRST Power Credit Card does have respectable fuel rewards, it has a slightly lower reward rate, which will give relatively lower savings at the same level of spending. Thus, in this case, the RBL IndianOil XTRA Credit Card is the preferable choice among the users who are interested in the maximum reward in fuel.
Also read: Amex Platinum Travel Credit Card Devaluation in 2026: Is Marriott Bonvoy the Best Alternative?
Conclusion
The IDFC FIRST Power Credit Card and the RBL IndianOil XTRA Credit Card both come with an excellent fuel benefit to the regular commuters. Nonetheless, the RBL IndianOil XTRA Credit Card is the best in higher rate of rewards and total fuel savings. Despite this, IDFC FIRST Power Credit Card can be a good option to the users who need a low fee fuel card that offers nice rewards, in case they often use HPCL fuel outlets.
Written by Boyapati Sai Jasmitha
