IndianOil Axis Bank Premium Credit Card vs IndianOil Axis Bank RuPay Credit Card
A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹1000 + GST
Rs. 500 + GST
Renewal Fee
₹1000 + GST
Rs. 500 + GST
Spend Based Waiver
Annual fee waived on spends of ₹1,00,000 and above in an anniversary year (excluding rent, wallet, insurance).
Annual fee waived on annual spending of ₹3,50,000 or more in a card anniversary year.
Foreign Transaction Fees
3.50% of transaction value; 1.5% + GST for Dynamic Currency Conversion markup.
3.5% of the transaction value.
Interest Rate (APR)
3.75% Per Month (55.55% Per Annum) finance charges apply.
3.75% per month (55.55% per annum) for retail purchases and cash.
Rewards & Benefits
Welcome Bonus
Enjoy 500 EDGE Miles on your first spend within 30 days of card issuance.
Earn up to 1,250 EDGE REWARD points (worth ₹250) on first fuel transaction within 30 days.
Rewards Rate
Earn 6 EDGE Miles on ₹150 spent at IOCL (up to ₹15k/month) & 2 EDGE Miles on ₹150 for groceries (up to ₹5k/month).
4% value back on fuel at IOCL, 1% on online shopping, 1 EDGE point per ₹100 on other spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
INR 99 per transaction on the EDGE REWARDS platform.
Travel & Lifestyle
Domestic Lounge Access
2 complimentary lounge accesses per quarter at domestic airports on spending ₹50,000 in previous 3 months.
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Enjoy up to 15% savings on flights & hotels via MakeMyTrip every Wednesday.
Up to 15% instant savings on flights & hotels via MakeMyTrip on Wednesdays.
Movie Benefits
Not Applicable
Up to 10% instant discount on movie tickets booked via BookMyShow app or website.
Dining Benefits
Get 30% off on Zomato food delivery (up to ₹150, twice a month) & up to 25% off via Dining Delights.
Up to 15% off (max ₹500) on dining bills at partner restaurants via Axis Bank EazyDiner.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% surcharge waiver on fuel at all IOCL outlets; GST on fuel surcharge is non-refundable.
1% waiver (max ₹50/cycle) on fuel transactions between ₹400-₹4000 at any fuel outlet.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% on amount withdrawn (Minimum ₹500).
2.5% of the cash amount (Minimum ₹500).