AU KOSMO Credit Card vs Indian Oil Axis Bank Premium 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 BankScoreGood
Annual FeeFree
Max Reward1.5%
Axis BankScoreVery Good
Annual Fee₹1,000
Max Reward4%
Indian Oil Axis Bank Premium Credit Card leads overall with a CardCheck Score of 74/100 (+13 pts over AU KOSMO Credit Card).
4-Pillar Head-to-Head Breakdown
AU vs IndianReward Power
35%AU20/35
Indian31/35
Indian Wins
Fee Value & ROI
25%AU25/25
Indian20/25
AU Wins
Lounge & Travel
20%AU4/20
Indian11/20
Indian Wins
Forex & Access
20%AU12/20
Indian12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 61
- 74Best
- Rating Verdict
- Good
- Very Good
- Reward Power (35%)
- 20/35
- 31/35
- Fee Value & ROI (25%)
- 25/25
- 20/25
- Lounge & Travel (20%)
- 4/20
- 11/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- AU Small Finance Bank
- Axis Bank
- Network
- RuPay
- RuPay
- Card type
- Co-branded
- Premium
- Best for
- UPI payments and rewards
- Heavy IOCL fuel users — premium rewards + lounge access
03—Fees
- Joining fee
- FreeBest
- ₹1,000
- Annual fee
- FreeBest
- ₹1,000
- Fee waiver
- FreeBest
- ₹1,00,000
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 45%Best
- 52.86%
- APR (max)
- 45%Best
- 52.86%
- Late payment fee
- —
- ₹1,200
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- cashback
- Min rate
- 1.5%Best
- 1%
- Max rate
- 1.5%
- 4%Best
- Points / ₹100
- —
- 4
- Point value
- ₹0.25
- ₹0.25
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 1
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- —
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 21
- 18
- Min income / month
- —
- ₹25,000
- Min CIBIL
- —
- 720
- Invite only
Rows won
06of 08
02of 08
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 61 | 74Best |
| Rating Verdict | Good | Very Good |
| Reward Power (35%) | 20/35 | 31/35 |
| Fee Value & ROI (25%) | 25/25 | 20/25 |
| Lounge & Travel (20%) | 4/20 | 11/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | AU Small Finance Bank | Axis Bank |
| Network | RuPay | RuPay |
| Card type | Co-branded | Premium |
| Best for | UPI payments and rewards | Heavy IOCL fuel users — premium rewards + lounge access |
03—Fees Differences highlighted | ||
| Joining fee | FreeBest | ₹1,000 |
| Annual fee | FreeBest | ₹1,000 |
| Fee waiver | FreeBest | ₹1,00,000 |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 45%Best | 52.86% |
| APR (max) | 45%Best | 52.86% |
| Late payment fee | — | ₹1,200 |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | cashback |
| Min rate | 1.5%Best | 1% |
| Max rate | 1.5% | 4%Best |
| Points / ₹100 | — | 4 |
| Point value | ₹0.25 | ₹0.25 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 1 |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | — | 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 | — | ₹25,000 |
| Min CIBIL | — | 720 |
| Invite only | ||
| Rows won | 06of 08 | 02of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | AU KOSMO Credit Card | Indian Oil Axis Bank Premium Credit Card |
|---|---|---|
| CardCheck Score | 61/100Good | 74/100Very Good |
| Annual Fee | Free (₹0) | ₹1,000 |
| Fee Waiver Spend | No waiver | ₹1L/yr |
| Max Reward Potential | 1.5% | 4% |
| Domestic Lounge Access | Check terms | 1 / quarter |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose AU KOSMO Credit Card if:
Your spending centers around upi payments and rewards and you want direct partner rewards with AU Small Finance Bank.
Choose Indian Oil Axis Bank Premium Credit Card if:
Your spending aligns with heavy iocl fuel users — premium rewards + lounge access and you prioritize Axis Bank's redemption benefits.
Frequently asked questions: AU KOSMO Credit Card vs Indian Oil Axis Bank Premium Credit Card
- Which is better: AU KOSMO Credit Card or Indian Oil Axis Bank Premium Credit Card?
- Indian Oil Axis Bank Premium Credit Card holds a higher overall rating with a CardCheck Score of 74/100 (Very Good) compared to 61/100 (Good) for AU KOSMO Credit Card (a lead of +13 points). Indian Oil Axis Bank Premium Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- AU KOSMO Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone for renewal fee waiver. In comparison, Indian Oil Axis Bank Premium Credit Card charges an annual fee of ₹1,000 with an annual spend threshold of ₹1 Lakh.
- How do the reward rates and cashback compare between AU KOSMO Credit Card and Indian Oil Axis Bank Premium Credit Card?
- AU KOSMO Credit Card offers a base reward rate of 1.5% and up to 1.5% on accelerated partner categories. Meanwhile, Indian Oil Axis Bank Premium 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 KOSMO Credit Card or Indian Oil Axis Bank Premium Credit Card?
- AU KOSMO Credit Card provides standard lounge access terms subject to bank quarterly spend criteria. On the other hand, Indian Oil Axis Bank Premium Credit Card provides 1 domestic lounge visit(s) per quarter. 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 KOSMO Credit Card levies a foreign currency markup fee of 3.50%, while Indian Oil Axis Bank Premium 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).