RBL vs Bank of Baroda: Fuel Caps, Fee Waivers and Where the Real Savings Sit

The most useful comparison here is fuel. Both banks sell a pump card, and the two differ in how much you can earn each month. Elsewhere, BOBCARD leans on RuPay and defence or professional co-brands, while RBL leans on travel and its long co-brand list.

Fuel cards

RBL's IndianOil card costs ₹500 and pays 5% on fuel capped at ₹500 a month. Its XTRA variant costs ₹1,500 and pays 7.5% capped at ₹1,000 a month. BOBCARD's HPCL ENERGIE costs ₹499, pays 6.5% on fuel with a ₹4,000 monthly cap. Listed monthly caps may apply to spend or to the reward itself, so confirm the terms and the pump you actually use. Even so, the BOB card sits close to the XTRA on rate at a third of the fee. The BOB card is also RuPay and includes a quarterly lounge perk on ₹20,000 spend.

Online shopping cashback

BOBCARD Cashback costs ₹499 and pays 5% on online shopping up to ₹1,500 a month, 1% elsewhere. RBL's Jalsa (₹999) pays 5% online with a ₹500 cap and the Shoppers Stop Black (₹10,000) pays 7.5% online with a ₹1,500 cap but is tied to one retailer. For general online spend, BOB's cap is three times larger at half the fee.

Fees and waivers

From 1 September 2026, BOB's Select (₹750, waived at ₹70,000), Premier (₹1,000, waived at ₹1.2 lakh) and Easy (₹500, waived at ₹35,000) charge nothing in the first year. RBL's ShopRite and Play both charge ₹500, waived at ₹1.5 lakh. BOB's waiver thresholds are lower on the entry end.

Lounges

BOB Eterna costs ₹2,499, waived at ₹2.5 lakh, with unlimited domestic lounge access and income needed of ₹100,000 a month. BOB Premier gives 1 domestic visit a quarter. RBL's World Plus costs ₹4,999 for 8 domestic visits a year. If domestic lounges are the main need, Eterna is hard to beat; RBL does better on international lounges through Priority Pass on the Icon and Insignia.

Travel and forex

World Safari charges 0% forex at ₹3,000. BOBCARD's Etihad Guest Premium also charges 0%, at ₹5,000 with the fee waived at ₹5 lakh, with 8 international and 12 domestic lounge visits a year; the standard Etihad Guest costs ₹2,500. BOB's Scapia and Uni GoldX are lifetime-free with zero forex. For low-cost foreign use, BOB's lifetime-free cards beat RBL's paid ones.

Top end

RBL has Nova and LUMIÈRE, and BOB has nothing above Eterna. That is the lopsided part of this pair.

Which reader picks which

A driver should compare the ENERGIE and the XTRA on actual monthly spend. A shopper looking for the broadest cap should pick BOBCARD Cashback. A traveller wanting a free zero-forex card should look at BOB's Scapia. A metal-card buyer should look at RBL.

Where to go next

See the RBL Bank credit cards guide and the Bank of Baroda credit cards guide. For more fuel options across banks, try fuel surcharge waiver credit cards.