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Last updated: 01-06-2026
Axis Bank Indian Oil Credit Card
Axis Bank

Axis Bank Indian Oil Credit Card

"Best fuel card for IndianOil users from Axis Bank โ€” accelerated rewards at IndianOil fuel stations with fuel surcharge waiver and dining discounts"

No ratings yet โ€” be the first to rate below!

Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น500 + GST
๐Ÿ”„ Renewal Fee
โ‚น500 + GST
Waived: Annual fee waived on spending โ‚น50,000 or more in the card anniversary year
๐ŸŽฏ Best Suited For
Regular IndianOil fuel buyers who prefer Axis Bank; those wanting a dedicated fuel card with dining benefits at a low annual fee
๐ŸŽ Reward Type
EDGE Reward Points (1 EDGE RP = โ‚น0.20 for vouchers; accelerated at IndianOil)
๐ŸŽ‰ Welcome Benefit
Check current welcome offer on Axis Bank website
๐Ÿ’ฐ Reward Rate
Accelerated EDGE Reward Points at IndianOil fuel stations (up to 4% effective value back); base earn on other retail spends; excludes wallet, EMI, rent, government; verify current reward structure on Axis Bank website
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
โ›ฝ Fuel Waiver
1% fuel surcharge waiver at IndianOil and all fuel stations on transactions โ‚น400 to โ‚น4,000; maximum โ‚น400 per statement cycle
โญ Rate this Card
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โœ… Pros
  • Accelerated rewards at IndianOil โ€” up to 4% effective
  • Fuel surcharge waiver at all stations
  • Low โ‚น500 fee with easy โ‚น50K waiver
  • 15% dining discount
  • Accessible eligibility
โŒ Cons
  • Rewards only accelerated at IndianOil
  • No lounge access
  • High forex markup 3.5%
  • Low base earn rate on non-fuel spends
  • Verify current reward structure on Axis website

๐ŸŽ Rewards & Benefits

Reward Type
EDGE Reward Points (1 EDGE RP = โ‚น0.20 for vouchers; accelerated at IndianOil)
Welcome Benefits
Check current welcome offer on Axis Bank website
Reward Rate
Accelerated EDGE Reward Points at IndianOil fuel stations (up to 4% effective value back); base earn on other retail spends; excludes wallet, EMI, rent, government; verify current reward structure on Axis Bank website
Reward Redemption
Axis EDGE Rewards portal: vouchers, merchandise, travel; 1 EDGE RP = โ‚น0.20
Fuel Surcharge Waiver
1% fuel surcharge waiver at IndianOil and all fuel stations on transactions โ‚น400 to โ‚น4,000; maximum โ‚น400 per statement cycle
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Annual fee waived on โ‚น50,000 annual spend
Milestone Benefits
Annual fee waiver on โ‚น50K spend
Other Benefits
Accelerated rewards at IndianOil; fuel surcharge waiver at all stations; 15% off at partner restaurants via Axis Bank Dining Delights; contactless payments; Smart EMI on โ‚น2,500+; Axis Mobile app management

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
Accelerated rewards at IndianOil; fuel surcharge waiver; dining 15% off

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น500 + GST
Annual Fee / Renewal Fee
โ‚น500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น50,000 or more in the card anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
As per Axis Bank prevailing slab
Over Limit Charges
2.5% of overlimit amount
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Accelerated rewards only at IndianOil โ€” not at BPCL or HPCL; high forex markup 3.5%; no lounge access

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18 to 70 years; Indian resident; minimum monthly income โ‚น15,000; good credit history
Credit Score Requirement
680+ CIBIL recommended
Credit Limit
Based on income and Axis Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per Axis Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via Axis Mobile app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860-419-5555 (24x7)
Chat / Email Support
Chat via Axis Mobile app
Mobile App
Axis Mobile app
Online Banking
Axis Bank NetBanking

Last updated: 01-06-2026

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:33 PM
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