RBL Bank credit cards we compare
2 RBL cards side by side, and which one suits each kind of spend. Facts from RBL's own pages.
2 cards · last verified 18 Oct 2026 · how we compare
All RBL cards we compare
| Card | Fees | Base rate | UPI | Airport lounge | Good for | Apply |
|---|---|---|---|---|---|---|
| IndianOil RBL Bank XTRA Credit Card15 fuel points per ₹100 at selected IndianOil outlets (up to 2,000 points a month) and 2 points per ₹100 elsewhere, worth most when converted to IndianOil XTRA reward points for fuel. | ₹1,500 joining, ₹1,500 a year | 1% | Yes | None | Fuel | Apply nowVia our referral partner. We may earn a commission. |
| RBL Bank ShopRite Credit Card20 reward points per ₹100 on grocery (capped at 1,000 points a month; RBL Bank calls this 5% value back) and 1 point per ₹100 on other eligible spends; no points on fuel, utilities or rent. | ₹500 joining, ₹500 a year | 0.25% | Yes | None | Online shopping and groceries | Apply nowVia our referral partner. We may earn a commission. |
Base rate is the value back on everyday spends at RBL's published redemption value; “–” means it isn't published. Fees exclude GST. Ranking never depends on whether we earn from a card.
Which RBL card for which spend
- FuelIndianOil RBL Bank XTRA Credit Card7.5% on fuel · #1 of 5 cards we compare · see all fuel cards
- Online shopping and groceriesRBL Bank ShopRite Credit Card0.25% on online shopping · #19 of 23 cards we compare · see all online shopping and groceries cards
Related guides
- How to Choose a Credit Card by Your SpendingPick a credit card by what you spend: what a reward point is worth, caps, lifetime free vs paid fee maths, UPI, lounges and eligibility, with ₹ examples.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
Questions people ask
Which RBL credit card is lifetime free?
None of the RBL cards we compare is lifetime free; most waive the annual fee above a yearly spend, shown on each card's page.
Which RBL credit card works on UPI?
IndianOil RBL Bank XTRA Credit Card and RBL Bank ShopRite Credit Card. They're RuPay cards, so they can be linked to UPI apps for merchant payments; UPI rewards are often lower than card rewards.
Which RBL credit card gives airport lounge access?
None of the RBL cards we compare includes complimentary airport lounge visits.
What income do I need for an RBL credit card?
RBL doesn't publish a minimum income for these cards; approval depends on its own checks, including your credit score.
How did you check these cards?
Every fee, reward rate and eligibility rule comes from RBL's own pages and terms, last verified 18 Oct 2026. It may not be every RBL card. 45 of the 77 cards we compare have a partner link we may earn from; the other 32 link to the bank's own site, and we don't earn from them. Ranking never depends on what we earn.
Last verified 18 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.