HDFC Millennia vs RBL IndianOil XTRA
Detailed comparison of these two popular credit cards
Winner
HDFC Millennia
HDFC Bank
Mid-RangeVS
RBL IndianOil XTRA
RBL Bank
Mid-Range*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⛽ Fuel Points. We're showing effective cash values for fair comparison.
Annual Fee
₹1K vs ₹2K
Effective Rate
(cash value)
1.0% vs 0.3%
Lounge Access
8/year vs None
Detailed Comparison
| Feature | HDFC Millennia | RBL IndianOil XTRA |
|---|---|---|
Fees & Charges | ||
| Joining Fee | ₹1K | ₹2K |
| Annual Fee | ₹1K | ₹2K |
| Fee Waiver | Spend ₹1L annually | Spend ₹2.75L annually |
| Forex Markup | 3.5% | - |
Rewards | ||
| Reward Type | 💵Cashback | ⛽Fuel Points |
| Effective Cash Value | 1% | 0.25% |
Lounge Access | ||
| Domestic Lounges | 8/year | None |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹6.0L | ₹3.0L |
HDFC Millennia is Best For
Online shoppers on major platforms
Watch Out
- • 5% cashback capped at ₹1000/month
RBL IndianOil XTRA is Best For
IndianOil fuel users
Watch Out
- • Max benefit ₹400/month on fuel
Our Verdict
Based on overall features and value,
HDFC Millennia wins!
Score: 34vsScore: 17
