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INDIANOIL AXIS BANK Credit Card VS IndianOil Axis Bank Premium Credit Card VS IndianOil Axis Bank RuPay Credit Card VS IndianOil Easy Axis Bank Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026
INDIANOIL AXIS BANK Credit Card
INDIANOIL AXIS BANK Credit Card
IndianOil Axis Bank Premium Credit Card
IndianOil Axis Bank Premium Credit Card
IndianOil Axis Bank RuPay Credit Card
IndianOil Axis Bank RuPay Credit Card
IndianOil Easy Axis Bank Credit Card
IndianOil Easy Axis Bank Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹1,000 + GST
Joining Fee₹500 + GST
Joining Fee₹500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,000 + GST
Renewal Fee₹500 + GST
Renewal Fee₹500 + GST
Spend Based WaiverAnnual fee waived if spend exceeds ₹3,50,000 in the card anniversary year; excludes rent, wallet loads, EMIs, cash withdrawals, fees, charges, GST, insurance spends, temporary credit and reversals.
Spend Based WaiverJoining fee waived on ₹30,000 spend in a year. Annual fee waived on ₹30,000 (1st year) or ₹1 lakh (subsequent years) spend.
Spend Based WaiverRenewal fee is waived on annual spending of ₹3.5 Lakh in the previous card anniversary year.
Spend Based WaiverAnnual fee waived if you spend more than ₹3,50,000 in a card anniversary year.
Foreign Transaction Fees3.5% of transaction value; Dynamic Currency Conversion markup 1.5% plus taxes.
Foreign Transaction Fees3.5% of the transaction value
Foreign Transaction Fees3.5% of the transaction value.
Foreign Transaction Fees3.5% on foreign currency transactions; 1.5% DCC markup on international INR transactions.
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases and cash.
Interest Rate (APR)3.75% Monthly (55.55% Annually)
Interest Rate (APR)3.75% per month (55.55% per annum) for retail purchases and cash.
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases and cash advances.

Rewards & Benefits

Welcome BonusUp to 1,250 EDGE REWARD Points on first fuel transactions within 30 days of card issuance.
Welcome BonusEnjoy 500 EDGE Miles on your first transaction within 30 days of card issuance. Applicable only in the first year.
Welcome BonusEarn up to 1,250 EDGE Reward Points (worth ₹250) on your first fuel transaction made within 30 days of card issuance.
Welcome BonusEarn 100% valueback on your first fuel transaction within 30 days, up to 1250 EDGE REWARD Points.
Rewards Rate20 EDGE REWARD Points per ₹100 on fuel at IOCL (4% value back; ₹5,000 monthly cap); 5 Points per ₹100 on online shopping (1%; ₹5,000 cap); 1 Point per ₹100 on all other eligible spends.
Rewards RateEarn 6 EDGE Miles for every ₹150 on IndianOil fuel (up to ₹15k/month), 2 EDGE Miles on groceries (up to ₹5k/month), and 1 EDGE Mile on other spends.
Rewards RateEarn 20 EDGE Points per ₹100 on IOCL fuel (4% value back), 5 points on online shopping, 1 point on other spends.
Rewards RateEarn 1 EDGE Point on ₹100 spends; 20 points on ₹100 at IOCL fuel; 5 points on ₹100 online shopping.
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 per transaction on the EDGE REWARDS platform.
Reward Redemption FeeNil
Reward Redemption Fee₹99 per transaction on the EDGE REWARDS platform.
Reward Redemption Fee₹99 per transaction on the EDGE REWARDS platform.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access2 complimentary visits each quarter at select domestic airports, subject to ₹50,000 spend in previous 3 months.
Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsInstant savings up to 15% on flights and hotels via Goibibo and MakeMyTrip (Wednesday Delight).
Travel Benefits2 complimentary domestic airport lounge visits each quarter (spend-based) and up to 15% savings on flights & hotels via MakeMyTrip on Wednesdays.
Travel Benefits
Travel BenefitsInstant savings of up to 15% on flights & hotels via Goibibo and MakeMyTrip on Wednesdays.
Movie BenefitsUp to 10% instant discount on BookMyShow movie tickets.
Movie Benefits
Movie BenefitsInstant 10% discount on movie ticket bookings on BookMyShow app or website.
Movie BenefitsInstant discount of up to 10% on movie tickets booked via Bookmyshow app or website.
Dining BenefitsAccess to dining offers at top restaurants across India via Axis Bank Dining Delights Program.
Dining BenefitsInstant 30% discount on Zomato (up to ₹150, twice monthly) and 25% discount on dining via Eazydiner.
Dining BenefitsUp to 15% discount (up to ₹500) on dining bills at partner restaurants under the Axis Bank EazyDiner Program.
Dining BenefitsEnjoy exceptional dining experiences with Axis Bank Dining Delights Program & 10% off on Swiggy.
Golf Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge WaiverFuel surcharge waiver up to ₹50 per statement cycle; not explicitly stated as a charge.
Fuel Surcharge Waiver1% (+GST) with an unlimited 1% waiver on IndianOil fuel purchases.
Fuel Surcharge Waiver1% fuel surcharge waiver for transactions between ₹400 and ₹4,000, max ₹50 per statement cycle.
Fuel Surcharge Waiver1% fuel surcharge waiver (₹400-₹4000 transactions), max ₹50 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% (Min. ₹500) of the cash amount.
Cash Advance Charges2.5% on amount withdrawn (Minimum ₹500)
Cash Advance Charges2.5% of the total transaction amount (Minimum ₹500).
Cash Advance Charges2.5% (Minimum ₹500) of the cash amount.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

INDIANOIL AXIS BANK Credit Card

IndianOil Axis Bank Premium Credit Card

IndianOil Axis Bank RuPay Credit Card

IndianOil Easy Axis Bank Credit Card

Who is it for?

The IndianOil Axis Bank Credit Card is a co-branded fuel and lifestyle card designed for vehicle owners and frequent fuel spenders, offering up to 4% value back on fuel at IOCL and a fuel surcharge waiver of up to ₹50 per statement cycle. It combines strong quantified fuel savings with everyday lifestyle perks including movie discounts, dining offers and travel deals via Wednesday Delight, plus a potential annual fee waiver on reaching ₹3,50,000 in spends. Ideal for users who regularly fuel at IOCL outlets and seek cost-efficient rewards alongside dining, shopping and travel benefits.

Who is it for?

The IndianOil Axis Bank Premium Credit Card is a mid-range credit card from Axis Bank, ideal for individuals who frequently spend on fuel, especially at IndianOil outlets, and groceries. It offers accelerated rewards, complimentary domestic airport lounge access, and significant discounts on food delivery via Zomato. This card provides a well-rounded rewards program with flexible redemption options, making everyday spending more rewarding and economical.

Who is it for?

The IndianOil Axis Bank RuPay Credit Card is an entry-level co-branded fuel credit card designed for individuals with high fuel consumption at IOCL stations, offering a competitive 4% value back on fuel spending. It also provides a decent 1% value back on online shopping and includes valuable lifestyle benefits such as movie ticket discounts and dining offers, making it ideal for everyday savings.

Who is it for?

The IndianOil Easy Axis Bank Credit Card is a mid-range credit card designed for individuals who frequently purchase fuel at IndianOil outlets and engage in regular online shopping. It offers significant value back on fuel transactions, accelerated rewards on online shopping, and instant discounts on movie tickets. Cardholders also benefit from a comprehensive dining program and a clear path to annual fee waiver, making it a compelling choice for everyday spending and savings.

Pros

Key benefits and features.

Up to 4% value back on fuel at IOCL outlets with a ₹5,000 monthly cap, delivering quantified fuel savings for regular vehicle owners.

Fuel surcharge waiver up to ₹50 per statement cycle and instant discounts up to 10% on BookMyShow for everyday lifestyle spends.

Welcome benefit of up to 1,250 EDGE REWARD Points on first fuel transactions within 30 days, accelerating initial rewards balance.

Annual fee waived in Year 1 and potentially waived thereafter upon spending over ₹3,50,000, enhancing cost efficiency for target users.

Lifestyle perks via Wednesday Delight and Dining Delights including up to 15% on flights and hotels and dining offers across top restaurants.

Pros

Key benefits and features.

High reward rate of 6X EDGE Miles on fuel purchases at IndianOil outlets.

Accelerated 2X EDGE Miles on grocery and supermarket spends for daily needs.

Complimentary domestic airport lounge access enhances travel comfort significantly.

Enjoy significant 30% discounts on Zomato food orders, twice every month.

Flexible EDGE Miles redemption for fuel, partner points, or travel bookings.

Pros

Key benefits and features.

Excellent cashback/reward rate on fuel transactions at IOCL petrol pumps, a daily necessity.

Get 10% off on movie tickets booked via BookMyShow, enhancing entertainment savings.

Accelerated rewards on online shopping, providing value back on digital purchases.

Renewal fee waiver on achievable annual spending, making the card more economical.

Pros

Key benefits and features.

High value back on IOCL fuel transactions, offering significant savings for commuters.

Accelerated rewards on online shopping, enhancing benefits for digital spenders.

Instant movie ticket discounts via Bookmyshow, adding entertainment value.

Clear path to annual fee waiver by spending ₹3,50,000, making it cost-effective.

Generous welcome benefit of 100% valueback on first fuel transaction up to 1250 points.

Cons

Key drawbacks and limitations.

Finance charges are high at 3.75% per month (55.55% per annum), making it expensive for revolving balances and cash borrowers.

Cash withdrawal fee of 2.5% (Min. ₹500) and foreign currency markup of 3.5% add cost for liquidity and international use cases.

Reward redemption fee of ₹99 per transaction on the EDGE REWARDS platform reduces net value when encashing points.

Multiple exclusions from rewards and waiver including insurance, gold, wallet loads, rent, utilities and EMI transactions limit applicability.

Monthly caps on accelerated fuel and online shopping rewards may constrain high spenders from maximizing earnings consistently.

Cons

Key drawbacks and limitations.

Lounge access is spend-based, requiring ₹50,000 in previous three months.

Accelerated rewards on fuel and groceries have monthly caps, limiting higher earnings.

Certain transactions like rent, wallet, and insurance do not earn EDGE Miles.

The annual fee waiver requires a spend of ₹1 lakh in subsequent years.

Cons

Key drawbacks and limitations.

The IndianOil Axis Bank RuPay Credit Card does not provide any travel benefits like lounge access.

The welcome benefit offered by this card is modest compared to other premium cards.

Low reward rate (0.20%) for general offline spending, limiting overall value.

Cons

Key drawbacks and limitations.

A reward redemption fee of ₹99 applies per transaction on the EDGE REWARDS platform.

High finance charges of 3.75% monthly (55.55% annually) if balances are not paid.

Specific transaction limits and monthly caps apply for accelerated rewards and fuel waiver.

Certain spend categories like insurance, rent, utilities are excluded from base rewards.

Various transaction fees levied on rent, education, wallet loads, and high fuel spends.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for INDIANOIL AXIS BANK Credit Card(opens in new tab)Apply for IndianOil Axis Bank Premium Credit Card(opens in new tab)Apply for IndianOil Axis Bank RuPay Credit Card(opens in new tab)Apply for IndianOil Easy Axis Bank Credit Card(opens in new tab)