{"id":10568,"date":"2026-07-04T13:15:00","date_gmt":"2026-07-04T07:45:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=10568"},"modified":"2026-07-04T11:43:34","modified_gmt":"2026-07-04T06:13:34","slug":"indianoil-credit-cards-compared-rbl-vs-hdfc-vs-axis-which-saves-you-the-most-on-10000-monthly-fuel-spend","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/indianoil-credit-cards-compared-rbl-vs-hdfc-vs-axis-which-saves-you-the-most-on-10000-monthly-fuel-spend\/","title":{"rendered":"IndianOil Credit Cards Compared: RBL vs HDFC vs Axis &#8211; Which Saves You the Most on \u20b910,000 Monthly Fuel Spend?"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis: <\/strong><em>The article will compare the best Indian Oil credit cards available in the Indian market based on actual savings over various spending amounts on fuel rewards, surcharge waiver, fees and net value, to find out which card helps to save more for people who use the card regularly.<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>IndianOil, one of India&#8217;s largest fuel networks, has its stations in cities, on highways and even in the villages and is used on a daily basis by millions of commuters and vehicle owners. Whether for personal use, work or office travel, most users have fuel costs as a routine expense in their monthly budgets. These regular expenses can be made even more effective with the help of IndianOil credit cards which provide petrol benefits such as petrol points, cashback and waiver of petrol surcharges, which helps in lowering down the total expenses on petrol.<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-3250014746\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-rbl-bank-indianoil-xtra-credit-card\" style=\"font-size:22px\"><strong><a href=\"https:\/\/bitli.in\/5KBL7W7\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">1. RBL Bank IndianOil XTRA Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/5KBL7W7\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/RBL-Bank-IndianOil-XTRA-Credit-Card-1024x683.jpg\" alt=\"RBL Bank IndianOil XTRA Credit Card\" class=\"wp-image-5988\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/RBL-Bank-IndianOil-XTRA-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/RBL-Bank-IndianOil-XTRA-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/RBL-Bank-IndianOil-XTRA-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> \u20b91,500 + GST<\/li>\n\n\n\n<li><strong>Annual Fee: <\/strong>\u20b91,500 + GST<\/li>\n\n\n\n<li><strong>Annual Fee Waiver: <\/strong>Spend \u20b92.75 lakh in an anniversary year.<\/li>\n\n\n\n<li><strong>Fuel Rewards:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Earn <strong>15 Fuel Points for every \u20b9100<\/strong> spent at IndianOil fuel stations.<\/li>\n\n\n\n<li><strong>1 Fuel Point = \u20b90.50<\/strong> when redeemed for fuel.<\/li>\n\n\n\n<li>Offers an effective <strong>7.5% value back<\/strong> on fuel purchases.<\/li>\n\n\n\n<li>Maximum <strong>2,000 Fuel Points<\/strong> can be earned each month.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Other Rewards:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Earn <strong>2 Fuel Points per \u20b9100<\/strong> on other retail purchases.<\/li>\n\n\n\n<li>Approx reward rate: <strong>1% value back.<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Welcome Benefit:<\/strong>\n<ul class=\"wp-block-list\">\n<li>3,000 Fuel Points bonus (worth \u20b91,500). Available after making your <strong>first transaction of \u20b9500 or more within 30 days<\/strong> of card issuance.\u00a0<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Quarterly Milestone Bonus:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Spend \u20b975,000 in a calendar quarter and receive 1,000 bonus Fuel Points worth \u20b9500.\u00a0<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Fuel Surcharge Waiver:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Enjoy a <strong>1% fuel surcharge<\/strong> waiver on fuel transactions between \u20b9500 and \u20b94,000, with a maximum waiver of <strong>\u20b9200 per month.\u00a0<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <strong><a href=\"https:\/\/bitli.in\/5KBL7W7\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-axis-indianoil-rupay-credit-card\" style=\"font-size:22px\"><strong>2. <a href=\"https:\/\/bitli.in\/4B76eCA\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Axis IndianOil RuPay Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/4B76eCA\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Axis-IndianOil-RuPay-Credit-Card-1024x683.jpg\" alt=\"\" class=\"wp-image-5994\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Axis-IndianOil-RuPay-Credit-Card-1024x683.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Axis-IndianOil-RuPay-Credit-Card-980x654.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/03\/Axis-IndianOil-RuPay-Credit-Card-480x320.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> \u20b9500 + GST<\/li>\n\n\n\n<li><strong>Annual Fee:<\/strong> \u20b9500+ GST<\/li>\n\n\n\n<li><strong>Annual Fee Waiver:<\/strong> Spend \u20b93.5 lakh in a membership year.\u00a0<\/li>\n\n\n\n<li><strong>Fuel Rewards:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Earn <strong>20 EDGE Reward Points<\/strong> for every <strong>\u20b9100 <\/strong>spent at IndianOil fuel stations, offering an effective reward rate of <strong>up to 4%<\/strong> when redeemed for eligible rewards.\u00a0<\/li>\n\n\n\n<li>Rewards apply to fuel transactions between <strong>\u20b9400 and \u20b94,000<\/strong>.<\/li>\n\n\n\n<li>Eligible fuel spending is capped at <strong>\u20b95,000 per month<\/strong>.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Non-Fuel Rewards:<\/strong>\n<ul class=\"wp-block-list\">\n<li>1% value back on online purchases Earn <strong>5 EDGE Reward Points per \u20b9100<\/strong> on online shopping.<\/li>\n\n\n\n<li>Earn <strong>1 EDGE Reward Point per \u20b9100<\/strong> on all other eligible retail purchases.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Welcome Benefit:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Receive <strong>100% value back<\/strong> on your first fuel transaction. Maximum benefit of <strong>1,250 EDGE Reward Points (worth \u20b9250)<\/strong>.\u00a0<\/li>\n\n\n\n<li>Offer is valid within <strong>30 days<\/strong> of card issuance.\u00a0<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Fuel Surcharge Waiver:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Get a<strong> 1% fuel surcharge <\/strong>waiver on fuel transactions between <strong>\u20b9400 and \u20b94,000<\/strong>, up to <strong>\u20b950 per statement cycle<\/strong>; however, GST on the fuel surcharge is not refundable.\u00a0<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Redemption:<\/strong> EDGE Reward Points can be redeemed through the Axis EDGE Rewards platform for fuel vouchers, shopping vouchers, travel bookings, gift vouchers, and other eligible rewards.\u00a0<\/li>\n\n\n\n<li><strong>Lifestyle Benefits:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>10%<\/strong> instant discount on movie tickets via <strong>BookMyShow.<\/strong><\/li>\n\n\n\n<li>Access to the<strong> Dining Delights program <\/strong>with discounts at partner restaurants.<\/li>\n\n\n\n<li>Exclusive Wednesday offers on travel, shopping, and food delivery.\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <strong><a href=\"https:\/\/bitli.in\/4B76eCA\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p><div class=\"trade-in-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-1501267200\"><script data-cfasync=\"false\" type=\"text\/javascript\" id=\"AdsCoreLoader101144\" src=\"https:\/\/sads.adsboosters.xyz\/fbda060f29d5b8e8c653abce4ac69b7b.js\"><\/script>\r\n\u00a0<div class=\"ads-core-ads\"><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-hdfc-bank-indianoil-credit-card\" style=\"font-size:22px\"><strong>3. <a href=\"https:\/\/bitli.in\/OkGyZ40\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">HDFC Bank IndianOil Credit Card<\/a><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><a href=\"https:\/\/bitli.in\/OkGyZ40\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"657\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/IndianOil-HDFC-Bank-Credit-Card.jpg\" alt=\"IndianOil HDFC Bank Credit Card\" class=\"wp-image-2594\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/IndianOil-HDFC-Bank-Credit-Card.jpg 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/IndianOil-HDFC-Bank-Credit-Card-980x629.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/IndianOil-HDFC-Bank-Credit-Card-480x308.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee:<\/strong> \u20b9500 + GST<\/li>\n\n\n\n<li><strong>Annual Fee:<\/strong> \u20b9500+ GST<\/li>\n\n\n\n<li><strong>Fee Waiver: <\/strong>Spend \u20b950,000 in a membership year.\u00a0<\/li>\n\n\n\n<li><strong>Fuel Rewards:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Accelerated Fuel Points on IndianOil fuel purchases are capped at <strong>250 Fuel Points<\/strong> per month during the first six months and <strong>150 Fuel Points <\/strong>per month thereafter.\u00a0<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Fuel Point Value:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>1 Fuel Point = 3 IndianOil XTRAREWARDS Points (XRP)<\/strong>.<\/li>\n\n\n\n<li>When redeemed for fuel, the effective value is approximately <strong>\u20b90.96 per Fuel Point<\/strong>.\u00a0<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Non-Fuel Rewards:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Earn <strong>5% Fuel Points<\/strong> on grocery purchases.<\/li>\n\n\n\n<li>Earn <strong>5% Fuel Points<\/strong> on utility bill payments (online and offline).<\/li>\n\n\n\n<li>Maximum <strong>100 Fuel Points per month<\/strong> for each category.<\/li>\n\n\n\n<li>Earn <strong>1 Fuel Point for every \u20b9150<\/strong> spent on all other eligible retail purchases, including UPI transactions.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Welcome Benefit:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Receive a <strong>\u20b9250 voucher<\/strong> after card activation. Valid after completing at least <strong>one transaction within 37 days<\/strong> of card issuance.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Fuel Surcharge Waiver<\/strong>\n<ul class=\"wp-block-list\">\n<li>Enjoy a<strong> 1% fuel surcharge <\/strong>waiver on fuel transactions above <strong>\u20b9400<\/strong>, with a maximum waiver of<strong> \u20b9250 per statement cycle.\u00a0<\/strong><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Redemption:<\/strong>\n<ul class=\"wp-block-list\">\n<li>Free fuel at IndianOil outlets through the <strong>IndianOil XTRAREWARDS<\/strong> program.<\/li>\n\n\n\n<li>Statement cashback (<strong>1 Fuel Point = \u20b90.20<\/strong>).<\/li>\n\n\n\n<li>Catalogue products through HDFC NetBanking (<strong>up to \u20b90.20 per Fuel Point<\/strong>).<\/li>\n\n\n\n<li>Fuel Points are valid for 2 years from the date of accrual<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <strong><a href=\"https:\/\/bitli.in\/OkGyZ40\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2340593392\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also read: <\/strong><a href=\"https:\/\/tradebrains.in\/money\/rbl-shoprite-credit-card-offers-5-value-back-on-groceries-is-it-the-best-card-for-grocery-shopping\/\">RBL Sh<\/a><a href=\"https:\/\/tradebrains.in\/money\/rbl-shoprite-credit-card-offers-5-value-back-on-groceries-is-it-the-best-card-for-grocery-shopping\/\" target=\"_blank\" rel=\"noreferrer noopener\">oprite Credit Card Offers 5% Value Back on Gr<\/a><a href=\"https:\/\/tradebrains.in\/money\/rbl-shoprite-credit-card-offers-5-value-back-on-groceries-is-it-the-best-card-for-grocery-shopping\/\">oceries &#8211; Is It the Best Card for Grocery Shopping?<\/a><\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-10-000-monthly-fuel-spend-comparison\" style=\"font-size:22px\"><strong>\u20b910,000 Monthly Fuel Spend Comparison\u00a0<\/strong><\/h2>\n\n\n<div id=\"footable_parent_10569\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"10569\" data-filter-delay=\"1000\" aria-label=\"Credit Card - Sheet1 (70).csv\"            id=\"footable_10569\"\n           data-unique_identifier=\"ninja_table_unique_id_1472728073_10569\"\n           class=\" foo-table ninja_footable foo_table_10569 ninja_table_unique_id_1472728073_10569 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                            <col class=\"ninja_column_3 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<ul class=\"wp-block-list\">\n<li>This comparison is based on a \u20b910,000 monthly IndianOil fuel spend (\u20b91,20,000 annually) for illustrative purposes.<\/li>\n\n\n\n<li>Axis rewards are limited to the first \u20b95,000 monthly fuel spend.<\/li>\n\n\n\n<li>HDFC rewards are capped and vary across two phases (first 6 months and next 6 months).<\/li>\n\n\n\n<li>Fuel surcharge waiver is assumed at 1% and is subject to individual bank limits.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-best-indianoil-card-by-spend\" style=\"font-size:22px\"><strong>Best IndianOil Card by Spend<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>RBL IndianOil XTRA Credit Card<\/strong> is best for monthly fuel spend of <strong>\u20b95,000\u2013\u20b915,000<\/strong>, offering the highest 7.5% fuel rewards and maximum overall value.<\/li>\n\n\n\n<li><strong>Axis IndianOil RuPay Credit Card<\/strong> is best for fuel spend below <strong>\u20b95,000\/month<\/strong>, with a low fee and capped rewards suitable for light users.<\/li>\n\n\n\n<li><strong>HDFC IndianOil Credit Card<\/strong> is best for low-fee users, with fee waiver at \u20b950,000 annual spend and moderate capped fuel benefits<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: The article will compare the best Indian Oil credit cards available in the Indian market based on actual savings over various spending amounts on fuel rewards, surcharge waiver, fees and net value, to find out which card helps to save more for people who use the card regularly. IndianOil, one of India&#8217;s largest fuel [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":8363,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[],"ppma_author":[3332],"class_list":["post-10568","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>IndianOil Credit Cards Compared: RBL vs HDFC vs Axis - Which Saves You the Most on \u20b910,000 Monthly Fuel Spend?<\/title>\n<meta name=\"description\" content=\"The article will compare the best Indian Oil credit cards available in the Indian market based on actual savings over various spending amounts on fuel rewards, surcharge waiver, fees and net value, to find out which card helps to save more for people who use the card regularly.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tradebrains.in\/money\/indianoil-credit-cards-compared-rbl-vs-hdfc-vs-axis-which-saves-you-the-most-on-10000-monthly-fuel-spend\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"IndianOil Credit Cards Compared: RBL vs HDFC vs Axis - 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