Axis Bank
Indian Oil Axis Bank Credit Card
Your rating
Community rating
Joining Fee
₹500
Annual Fee
₹500
Reward Rate
1% – 4%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
1% – 4%
Earn rate
1
Points / ₹100
₹5,000
Monthly cap
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
2 per quarter
Domestic lounge visits
0 per year
International lounge visits
Things to Keep in Mind
- utility & telecom
- education
- rent
- wallet load
- government services
- insurance
- gold & jewellery
- financial institutions
- cash advances
- repayments
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- Strong fuel rewards for IndianOil users
- Low annual fee
- Fuel surcharge waiver included
- Online shopping rewards available
- Domestic lounge access benefit
- RuPay UPI support available
- Welcome fuel reward benefit
- Good entry-level fuel credit card
- Fuel rewards capped monthly
- Benefits mainly restricted to IndianOil outlets
- No international lounge access
- Average reward rate on non-fuel spends
- High forex markup
- Reward redemption fee applicable
- Limited travel benefits
- Better fuel cards available for high spenders
Who is this card for?
Commuters and vehicle owners who regularly refuel at Indian Oil petrol pumps and want to offset fuel costs. Best for monthly fuel spends of ₹5,000+.
Quick Links
Data last updated 24 Mar 2026