A novel soybean variety, designated XB28C12 is provided. Also provided are the seeds of soybean variety XB28C12, cells from soybean variety XB28C12, plants of soybean XB28C12, and plant parts of soybean variety XB28C12. Methods provided include producing a soybean plant by crossing soybean variety XB28C12 with another soybean plant, methods for introgressing a transgenic trait, a mutant trait, and/or a native trait into soybean variety XB28C12, methods for producing other soybean varieties or plant parts derived from soybean variety XB28C12, and methods of characterizing soybean variety XB28C12. Soybean seed, cells, plants, germplasm, breeding lines, varieties, and plant parts produced by these methods and/or derived from soybean variety XB28C12 are further provided.