India's premium fuel credit card offering accelerated rewards at IOCL outlets with exclusive dining and movie benefits
1% on ₹400-₹4,000 transactions (max ₹50/statement cycle)
20 EDGE Points per ₹100 on fuel at IOCL; 5 EDGE Points per ₹100 on online shopping; 1 EDGE Point per ₹100 on other spends
1,250 EDGE Reward Points worth ₹250 on first fuel transaction
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| Benefit | Details |
|---|---|
| Fuel Rewards | 20 EDGE Reward Points per ₹100 on fuel spends at IOCL stations (₹400-₹4,000 monthly cap) |
| Welcome Benefit | 1,250 EDGE Reward Points worth ₹250 on first fuel transaction within 30 days of card issuance |
| Movie Discount | 10% instant discount on movie ticket bookings on BookMyShow (maximum ₹100 per month) |
| Dining Benefits | Up to 15% discount up to ₹500 on dining bills at partner restaurants under Axis Bank EazyDiner Programme |
| Online Shopping Rewards | 5 EDGE Reward Points per ₹100 on online shopping (₹100-₹5,000 monthly cap) |
| Fuel Surcharge Waiver | 1% fuel surcharge waived on fuel transactions between ₹400-₹4,000 (maximum ₹50 per statement cycle) |
| Annual Fee Waiver | Renewal fee waived on annual spends of ₹3.5 lakh |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Axis Bank & Indian Oil Corporation Limited (IOCL) |
| Bank / Non-bank | Bank-affiliated |
| Category | Fuel & Shopping |
| Type of Card | RuPay |
| Free or Paid | ₹500 + GST (1st Year Nil, 2nd Year onwards ₹500 + GST) |
| Primary Focus | Fuel Savings |
The IndianOil Axis Bank RuPay Credit Card is one of the best choices for people who spend frequently on fuel and seek significant savings opportunities. Designed especially for regular fuel spenders, this card offers excellent rewards and cashback on fuel purchases at IOCL outlets and online shopping platforms.
High Fuel Rewards: Earn 20 EDGE Reward Points per ₹100 spent at IOCL filling stations across India, providing exceptional value back on a daily necessity.
Online Shopping Benefits: Get 5 EDGE Reward Points per ₹100 on online shopping purchases, with a monthly cap of ₹5,000 to earn accelerated rewards.
Movie Ticket Discounts: Enjoy 10% instant discount on movie ticket bookings through BookMyShow with a maximum cap of ₹100 per month.
Dining Privileges: Avail up to 15% discount up to ₹500 on dining bills at partner restaurants through the Axis Bank EazyDiner Programme.
Fuel Surcharge Waiver: Get 1% fuel surcharge waived on all fuel transactions between ₹400-₹4,000 across India, with a maximum benefit of ₹50 per statement cycle.
Welcome Rewards: Earn 1,250 EDGE Reward Points worth ₹250 when you make your first fuel transaction within 30 days of card issuance.
Accelerated Rewards:
Fuel Spends: 20 EDGE Reward Points per ₹100 spent at IOCL stations (transactions between ₹400-₹4,000 monthly)
Online Shopping: 5 EDGE Reward Points per ₹100 spent (transactions between ₹100-₹5,000 monthly)
Other Spends: 1 EDGE Reward Point per ₹100 on all other transactions
Monthly cap for fuel rewards: ₹5,000 (earning up to 1,000 EDGE Points)
Monthly cap for online shopping rewards: ₹5,000 (earning up to 250 EDGE Points)
No limit on reward earnings across other eligible categories
Excluded Categories: Rewards are not earned on: Rent, wallet, insurance, EMI, Cash withdrawals, education, Government payments, gold/jewellery, and utilities.
Earn 1,250 EDGE Reward Points worth ₹250 on your first fuel transaction made within 30 days of card issuance
This welcome benefit applies only to the Primary Card and not to add-on cards
Movie Discounts: 10% instant discount on movie ticket bookings through BookMyShow app or website. Maximum discount capped at ₹100 per month.
Dining Discounts: Up to 15% discount, up to ₹500, on dining bills at partner restaurants under Axis Bank EazyDiner Programme.
1% fuel surcharge waived on transactions between ₹400-₹4,000 at all fuel stations across India
Maximum benefit: ₹50 per statement cycle
EDGE Reward Points earned on the IndianOil Axis Bank Credit Card can be redeemed against: Shopping vouchers, Travel vouchers, Product purchases from the catalog on the Axis Bank EDGE Rewards Portal. Redemption fee: ₹99 per transaction on the EDGE REWARDS platform.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹500 + GST | One-time charge when the card is issued |
| Annual Fee | 1st Year: Nil; 2nd Year onwards: ₹500 + GST | Waived on annual spends of ₹3.5 lakh |
| Add-on Card Joining Fee | Nil | No charge for supplementary cards |
| Add-on Card Annual Fee | Nil | No recurring charge for add-on cards |
| Finance Charges | 3.50% Per Month (42% Per Annum) | Interest charged on the outstanding balance |
| Cash Withdrawal Fee | 2.5% (Minimum ₹500) | Of the cash amount withdrawn |
| Foreign Currency Transaction Fee | 3.5% | Of the transaction value |
| Late Payment Charges | Variable | Less than ₹500: Nil; ₹501-₹5,000: ₹500; ₹5,001-₹10,000: ₹750; Above ₹10,000: ₹1,200 |
| Over Limit Penalty | 2.5% (Minimum ₹500) | Of the over-limit amount |
| Reward Redemption Fee | ₹99 | Per transaction on the EDGE REWARDS platform |
| Rent Transaction Fee | 1% + taxes | On each rental transaction |
| Education Payment Fee (3rd party apps) | 1% | On education payments via third-party apps |
| Criteria | Details |
|---|---|
Residency | Indian resident or NRI |
Primary Cardholder Age | Between 18 years and 70 years |
Add-on Cardholder Age | Over 15 years of age |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card |
| Address Proof | Aadhaar Card or any valid government-issued address proof |
| Income Proof | Salary slip, Income Tax Return (ITR), or other relevant documents as per bank policy |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Details: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your IndianOil Axis Bank RuPay Credit Card will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Fuel Rewards | Use the card for fuel purchases at IOCL stations to earn 20 EDGE Reward Points per ₹100 spent (monthly cap ₹5,000) |
Online Shopping Spends | Make online purchases to earn 5 EDGE Reward Points per ₹100 (monthly cap ₹5,000 for accelerated rewards) |
Book Movie Tickets | Reserve movie tickets on BookMyShow to get 10% instant discount (maximum ₹100 per month) |
Dine at Partner Restaurants | Use your card at partner restaurants to avail up to 15% discount up to ₹500 on dining bills |
Redeem Reward Points | Redeem accumulated EDGE Reward Points against shopping/travel vouchers or products on Axis Bank EDGE Rewards Portal |
Track Spending | Monitor your spending and reward points through Axis Bank's online portal or mobile app |
Utilise Fuel Surcharge Waiver | Take advantage of 1% fuel surcharge waiver on fuel transactions between ₹400-₹4,000 (maximum ₹50 per statement cycle) |
The IndianOil Axis Bank RuPay Credit Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
Get your IndianOil Axis Bank RuPay Credit Card in just a few simple steps