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IndianOil Axis Bank RuPay Credit Card Vs. IndianOil HDFC Bank RuPay Credit Card

IndianOil Axis Bank RuPay Credit Card

IndianOil Axis Bank RuPay Credit Card

IndianOil HDFC Bank RuPay Credit Card

IndianOil HDFC Bank RuPay Credit Card

Comparison of IndianOil Axis Bank RuPay Credit Card and IndianOil HDFC Bank RuPay Credit Card

Feature
IndianOil Axis Bank RuPay Credit Card
IndianOil HDFC Bank RuPay Credit Card
Annual Fee
1st Year: Nil; 2nd Year onwards: ₹500 + GST (waived on ₹3.5 lakh annual spends)
₹500 + applicable taxes
Joining Fee
₹500 + GST
₹500 + applicable taxes
Welcome Benefits
1,250 EDGE Reward Points worth ₹250 on first fuel transaction
N/A
Interest Rate (APR)
N/A
N/A
Foreign Currency Markup
N/A
N/A
Key Highlights
  • •Fuel Rewards
  • •Welcome Benefit
  • •Movie Discount
  • •Dining Benefits
  • •Online Shopping Rewards
  • •Fuel Surcharge Waiver
  • •Annual Fee Waiver
  • •Fuel-Rewards Structure
  • •Fuel Surcharge Waiver
  • •Fee
  • •Interest-Free Credit Period
Dos
  • Use the card for online purchases to maximise 10X reward points
  • Pay your credit card bill on time to avoid interest
  • Track your reward points and redeem them
  • Opt for Flexipay or EMI on high-value purchases if needed
  • Keep your card in a safe place and use contactless payments when possible
  • Use the card primarily at IndianOil pumps to maximise fuel points
  • Pay your bill in full to maintain 50-day interest-free period
  • Track redemption value of Fuel Points before redeeming
  • Keep receipts of bill / grocery spends to reconcile rewards
Don'ts
  • Avoid overspending beyond your repayment capacity
  • Do not miss the minimum payment
  • Ignore transaction alerts; they help prevent fraud
  • Share card details with untrusted sources
  • Use the card for cash advances unless necessary
  • Do not assume unlimited fuel rewards; check monthly caps
  • Do not delay minimum due beyond due date to avoid penalties
  • Avoid foreign currency transaction unless necessary (3.5% mark-up)
  • Do not share card PIN or OTP with unverified persons

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