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
₹1,000 + GST
₹500 + GST
Renewal Fee
₹1,000 + GST
₹500 + GST
Spend Based Waiver
Annual fee of ₹1,000 + GST waived on spends of ₹1,00,000 and above in an anniversary year.
Annual fee waived on annual spending of Rs. 3,50,000 in a card anniversary year.
Foreign Transaction Fees
3.50% of transaction value for foreign currency spends.
3.5% of the transaction value.
Interest Rate (APR)
3.75% Per Month (55.55% Per Annum) on outstanding balances.
3.75% Per Month (55.55% Per Annum) on retail purchases and cash advances.
Rewards & Benefits
Welcome Bonus
Enjoy 500 EDGE Miles on your first spend within 30 days of card issuance.
Earn up to 1250 EDGE REWARD points (worth ₹250) on first fuel transaction within 30 days of card issuance.
Rewards Rate
Earn 6 EDGE Miles on every ₹150 spent at IOCL fuel outlets (up to ₹15k/month) & 2 EDGE Miles on groceries (up to ₹5k/month).
Earn 20 pts/₹100 on fuel (IOCL), 5 pts/₹100 on online shopping, 1 pt/₹100 on other spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil charges for redeeming EDGE Miles.
INR 99 per transaction on the EDGE REWARDS platform.
Travel & Lifestyle
Domestic Lounge Access
Enjoy 2 complimentary domestic lounge visits per quarter (8 annually) by spending ₹50,000 in the prior 3 months.
Not Applicable
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
Offers spend-based domestic lounge access and instant savings on flights & hotels via MakeMyTrip.
Instant savings up to 15% on flights & hotels via MakeMyTrip (Wednesdays).
Movie Benefits
Not Applicable
Up to 10% instant discount on movie tickets booked via BookMyShow app or website.
Dining Benefits
Enjoy 30% off on Zomato (up to ₹150, 2 times/month) & up to 25% off (max ₹800) via Eazydiner.
Up to 15% off (max Rs. 500) on dining bills at partner restaurants via Axis Bank EazyDiner Program.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% fuel surcharge waiver (unlimited) at IOCL fuel outlets (GST on surcharge non-refundable).
1% waiver on fuel surcharge (transactions ₹400-₹4000), max ₹50 per statement cycle.
Security & Other
Insurance Benefits
Not Applicable
Not Applicable
Cash Advance Charges
2.5% of withdrawn amount (minimum ₹500) for cash advances.
2.5% of cash amount (Minimum Rs. 500) for cash withdrawals.