AU ixigo Credit Card vs Indian Oil Axis Bank Credit Card
AU Small Finance Bank · Axis Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
AU Small Finance BankScoreExcellent
Annual Fee₹999
Max Reward5%
Axis BankScoreVery Good
Annual Fee₹500
Max Reward4%
AU ixigo Credit Card leads overall with a CardCheck Score of 81/100 (+10 pts over Indian Oil Axis Bank Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs IndianReward Power
35%AU34/35
Indian31/35
AU Wins
Fee Value & ROI
25%AU20/25
Indian24/25
Indian Wins
Lounge & Travel
20%AU15/20
Indian4/20
AU Wins
Forex & Access
20%AU12/20
Indian12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 81Best
- 71
- Rating Verdict
- Excellent
- Very Good
- Reward Power (35%)
- 34/35
- 31/35
- Fee Value & ROI (25%)
- 20/25
- 24/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- AU Small Finance Bank
- Axis Bank
- Network
- Mastercard
- RuPay
- Card type
- Co-branded
- Regular
- Best for
- ixigo travel platform users — ixigo Money credits + 2 lounge/quarter
- Fuel spending at Indian Oil petrol pumps
03—Fees
- Joining fee
- ₹999
- ₹500Best
- Annual fee
- ₹999
- ₹500Best
- Fee waiver
- ₹1,00,000
- ₹50,000Best
04—Interest
- APR (min)
- 42%Best
- 52.86%
- APR (max)
- 42%Best
- 52.86%
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 1%
- 1%
- Max rate
- 5%Best
- 4%
- Points / ₹100
- 5Best
- 4
- Point value
- ₹0.25
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 0
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Min income / month
- ₹20,000
- ₹15,000
- Min CIBIL
- 680Best
- 700
- Invite only
Rows won
07of 10
03of 10
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 81Best | 71 |
| Rating Verdict | Excellent | Very Good |
| Reward Power (35%) | 34/35 | 31/35 |
| Fee Value & ROI (25%) | 20/25 | 24/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | Axis Bank |
| Network | Mastercard | RuPay |
| Card type | Co-branded | Regular |
| Best for | ixigo travel platform users — ixigo Money credits + 2 lounge/quarter | Fuel spending at Indian Oil petrol pumps |
03—Fees Differences highlighted | ||
| Joining fee | ₹999 | ₹500Best |
| Annual fee | ₹999 | ₹500Best |
| Fee waiver | ₹1,00,000 | ₹50,000Best |
04—Interest Differences highlighted | ||
| APR (min) | 42%Best | 52.86% |
| APR (max) | 42%Best | 52.86% |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 1% | 1% |
| Max rate | 5%Best | 4% |
| Points / ₹100 | 5Best | 4 |
| Point value | ₹0.25 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 0 |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 21 | 18 |
| Min income / month | ₹20,000 | ₹15,000 |
| Min CIBIL | 680Best | 700 |
| Invite only | ||
| Rows won | 07of 10 | 03of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU ixigo Credit Card | Indian Oil Axis Bank Credit Card |
|---|---|---|
| CardCheck Score | 81/100Excellent | 71/100Very Good |
| Annual Fee | ₹999 | ₹500 |
| Fee Waiver Spend | ₹1L/yr | ₹50,000/yr |
| Max Reward Potential | 5% | 4% |
| Domestic Lounge Access | 2 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose AU ixigo Credit Card if:
Your spending centers around ixigo travel platform users — ixigo money credits + 2 lounge/quarter and you want direct partner rewards with AU Small Finance Bank.
Choose Indian Oil Axis Bank Credit Card if:
Your spending aligns with fuel spending at indian oil petrol pumps and you prioritize Axis Bank's redemption benefits.
Frequently asked questions: AU ixigo Credit Card vs Indian Oil Axis Bank Credit Card
- Which is better: AU ixigo Credit Card or Indian Oil Axis Bank Credit Card?
- AU ixigo Credit Card holds a higher overall rating with a CardCheck Score of 81/100 (Excellent) compared to 71/100 (Very Good) for Indian Oil Axis Bank Credit Card (a lead of +10 points). AU ixigo Credit Card is classified in our Elite tier due to superior spend returns and comprehensive travel perks.
- How do annual fees and fee waiver spend rules compare?
- AU ixigo Credit Card charges an annual fee of ₹999 with an annual spend threshold of ₹1 Lakh for renewal fee waiver. In comparison, Indian Oil Axis Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹50,000.
- How do the reward rates and cashback compare between AU ixigo Credit Card and Indian Oil Axis Bank Credit Card?
- AU ixigo Credit Card offers a base reward rate of 1% and up to 5% on accelerated partner categories. Meanwhile, Indian Oil Axis Bank Credit Card offers a base rate of 1% and up to 4% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: AU ixigo Credit Card or Indian Oil Axis Bank Credit Card?
- AU ixigo Credit Card provides 2 domestic lounge visit(s) per quarter. On the other hand, Indian Oil Axis Bank Credit Card provides no complimentary domestic lounge access. Note that most issuers now require meeting minimum quarterly spend criteria (typically ₹10,000 to ₹50,000 in the preceding quarter) to unlock lounge access.
- Which card is better for international foreign currency spends?
- AU ixigo Credit Card levies a foreign currency markup fee of 3.5%, while Indian Oil Axis Bank Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).