{"id":6514,"date":"2026-03-18T18:45:00","date_gmt":"2026-03-18T13:15:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=6514"},"modified":"2026-03-18T16:44:41","modified_gmt":"2026-03-18T11:14:41","slug":"idfc-first-power-vs-rbl-indianoil-xtra-which-credit-card-saves-you-an-extra-3000-on-10k-monthly-spend","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/idfc-first-power-vs-rbl-indianoil-xtra-which-credit-card-saves-you-an-extra-3000-on-10k-monthly-spend\/","title":{"rendered":"IDFC First Power vs RBL IndianOil XTRA: Which Credit Card Saves You an Extra \u20b93,000 on \u20b910K Monthly Spend?"},"content":{"rendered":"\n
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Synopsis: <\/strong>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. <\/em><\/p>\n<\/blockquote>\n\n\n\n

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.<\/p>

\"scapia<\/a><\/div>\n\n\n\n

RBL Indian Oil Xtra Credit Card<\/a><\/strong><\/h2>\n\n\n\n
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  • Fee<\/strong>: \u20b91,500+ GST<\/li>\n\n\n\n
  • Fee wavier<\/strong>: Fees waived on spending more than \u20b92,75,000 annually with Indian Oil<\/li>\n\n\n\n
  • Fuel benefits:<\/strong>\n
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    • 15 fuel points on every 100 spend at IndianOil fuel stations(max 2,000 fuel points per month)<\/li>\n\n\n\n
    • 2 Fuel points on \u20b9100 spent on every other expenses like shopping<\/li>\n<\/ul>\n<\/li>\n\n\n\n
    • 1 Fuel Point = \u20b90.50<\/strong>, giving ~7.5% value back on fuel spends<\/strong>.<\/li>\n\n\n\n
    • 1% fuel surcharge waiver<\/strong> on fuel transactions between \u20b9500\u2013\u20b94,000<\/strong>.<\/li>\n\n\n\n
    • Maximum surcharge waiver:<\/strong> \u20b9200 per month.<\/li>\n\n\n\n
    • Total effective savings:<\/strong> up to 8.5% on IndianOil fuel purchases<\/strong> (7.5% rewards + 1% surcharge waiver). Fuel Points can be redeemed directly for fuel at IndianOil outlets<\/strong>.<\/li>\n<\/ul>\n\n\n\n

      To apply for RBL Indian Oil Xtra Credit Card<\/strong>, please visit the Official Website<\/strong><\/a><\/p>\n\n\n\n

      IDFC FIRST Power Credit Card<\/a><\/strong><\/h2>\n\n\n\n
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      • Fee: <\/strong>\u20b9499<\/li>\n\n\n\n
      • Fee wavier: <\/strong>On spends of \u20b91,50,000 or more in a year\n
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        • Save up to \u20b918,500 annually with this credit card, enough to buy you 175+ litres of fuel<\/li>\n\n\n\n
        • 30X Reward Points for every \u20b9150 spent on fuel at HPCL petrol pumps.<\/li>\n<\/ul>\n<\/li>\n\n\n\n
        • Additional 1.5% savings through Happy Coins<\/strong> when fuel is paid using the HP Pay app<\/strong>.<\/li>\n\n\n\n
        • 6 Happy Coins per \u20b9100 spent via HP Pay app<\/strong> for additional rewards.<\/li>\n\n\n\n
        • Maximum earning limit:<\/strong> up to 600 Happy Coins per month<\/strong> (on spends up to \u20b910,000 through HP Pay) and 2,400 max reward per statement cycle.\n
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          • \u20b9500 worth gift voucher on HPCL fuel transaction of \u20b9500 or above<\/li>\n<\/ul>\n<\/li>\n\n\n\n
          • Total effective fuel savings:<\/strong> up to 6\u20136.5% on HPCL fuel spends<\/strong> when rewards and Happy Coins are combined.<\/li>\n\n\n\n
          • Fuel rewards applicable mainly at HPCL outlets<\/strong>, since it is a co-branded HPCL fuel credit card.<\/li>\n<\/ul>\n\n\n\n

            To apply for IDFC FIRST Power Credit Card<\/strong>, please visit the Official website<\/strong><\/a><\/p>