RBL IOCL XTRA vs HP Pay App

[cctrick]

I get 6 % return through HP Pay App for petrol payments at HP Pumps . I have recieved a RBL IOCL XTRA card which gives 7.5% as rewards for IOCL payments. The card cost is 1770 per annum . Is it worth to activate the card ? I dont see a value now. Applied it through cashkaro for a Rs 800 reward . But now it feels not worth. Can anyone put their experience here please .

 

[Wealth is my birth right!]

I have both
But I prefer hppay for ease of operation
RBL many times getting rewards is not worth the time spent

 

[cctrick]

I have both
But I prefer hppay for ease of operation
RBL many times getting rewards is not worth the time spent

So shall i not activate the card considering its limit is only 50000 and it wont be better to use the card for 2.75 lakhs per year for fee reversal considering i have SBI CB , FKT Axis, APay ICICI , HDFC Milenia? or am i missing any hidden benefit of the card by not activating it ?

 

[Wealth is my birth right!]

So shall i not activate the card considering its limit is only 50000 and it wont be better to use the card for 2.75 lakhs per year for fee reversal considering i have SBI CB , FKT Axis, APay ICICI , HDFC Milenia? or am i missing any hidden benefit of the card by not activating it ?

Yes not worthy imo
I too got 50k limit whereas other bank cards I have 7lac haha
I wrote mail but no increase with RBL even after 6 months

 

[Old_Schedule_1994]

I get 6 % return through HP Pay App for petrol payments at HP Pumps . I have recieved a RBL IOCL XTRA card which gives 7.5% as rewards for IOCL payments. The card cost is 1770 per annum . Is it worth to activate the card ? I dont see a value now. Applied it through cashkaro for a Rs 800 reward . But now it feels not worth. Can anyone put their experience here please .

How you are getting 6% back through HP pay can you plz elaborated?

 

[2025]

So shall i not activate the card considering its limit is only 50000 and it wont be better to use the card for 2.75 lakhs per year for fee reversal considering i have SBI CB , FKT Axis, APay ICICI , HDFC Milenia? or am i missing any hidden benefit of the card by not activating it ?

Yes not worthy imo
I too got 50k limit whereas other bank cards I have 7lac haha
I wrote mail but no increase with RBL even after 6 months

Me too at 50k though card is different. Seems like 50k is their favourite number.

@cctrick I believe not worth for 1.0 to 1.5% extra, that too it's not exactly cashback, its reward points.

But in case u find iocl pumps are closeby and better then you may try it out. For backup also useful. Most importantly I think convenience is a thing you should prioritise.

 

[2025]

How you are getting 6% back through HP pay can you plz elaborated?

Purchase gift card elsewhere then load it to wallet. Pay from wallet via scanning hp pay QR. Check other related threads for more options.