Indian Oil Axis Bank Credit Card vs IndusInd Legend Credit Card
Axis Bank · IndusInd Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreExcellent
Annual Fee₹500
Max Reward4%
IndusInd BankScoreGood
Annual FeeFree
Max Reward2%
Indian Oil Axis Bank Credit Card leads overall with a CardCheck Score of 80/100 (+13 pts over IndusInd Legend Credit Card).
4-Pillar Head-to-Head Breakdown
Indian vs IndusIndReward Power
35%Indian31/35
IndusInd24/35
Indian Wins
Fee Value & ROI
25%Indian22/25
IndusInd25/25
IndusInd Wins
Lounge & Travel
20%Indian15/20
IndusInd4/20
Indian Wins
Forex & Access
20%Indian12/20
IndusInd14/20
IndusInd Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 80Best
- 67
- Rating Verdict
- Excellent
- Good
- Reward Power (35%)
- 31/35
- 24/35
- Fee Value & ROI (25%)
- 22/25
- 25/25
- Lounge & Travel (20%)
- 15/20
- 4/20
- Forex & Access (20%)
- 12/20
- 14/20
02—Basic Info
- Bank
- Axis Bank
- IndusInd Bank
- Network
- RuPay
- Visa
- Card type
- Co-branded
- Premium
- Best for
- Fuel spending at Indian Oil petrol pumps
- Lifetime-free with lounge access — 4X on dining, weekend entertainment
03—Fees
- Joining fee
- ₹500Best
- ₹5,000
- Annual fee
- ₹500
- FreeBest
- Fee waiver
- ₹3,50,000
- —
- Interest-free days
- 50
- —
04—Interest
- APR (min)
- 55%
- 47.4%Best
- APR (max)
- 55%
- 47.4%Best
- Late payment fee
- ₹1,200Best
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.2%
- 1%Best
- Max rate
- 4%Best
- 2%
- Points / ₹100
- 1
- 1
- Point value
- ₹0.2
- —
- Monthly cap
- ₹200
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2Best
- 0
- Lounge spend criteria
- No spend condition
- —
- Intl lounge / year
- 0
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 1.8%Best
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- —
- Min income / month
- ₹25,000
- —
- Min CIBIL
- 750
- —
- Invite only
Rows won
05of 10
05of 10
| Attribute ↓ | ★ Overall pick Column A | Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 80Best | 67 |
| Rating Verdict | Excellent | Good |
| Reward Power (35%) | 31/35 | 24/35 |
| Fee Value & ROI (25%) | 22/25 | 25/25 |
| Lounge & Travel (20%) | 15/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 14/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | IndusInd Bank |
| Network | RuPay | Visa |
| Card type | Co-branded | Premium |
| Best for | Fuel spending at Indian Oil petrol pumps | Lifetime-free with lounge access — 4X on dining, weekend entertainment |
03—Fees Differences highlighted | ||
| Joining fee | ₹500Best | ₹5,000 |
| Annual fee | ₹500 | FreeBest |
| Fee waiver | ₹3,50,000 | — |
| Interest-free days | 50 | — |
04—Interest Differences highlighted | ||
| APR (min) | 55% | 47.4%Best |
| APR (max) | 55% | 47.4%Best |
| Late payment fee | ₹1,200Best | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.2% | 1%Best |
| Max rate | 4%Best | 2% |
| Points / ₹100 | 1 | 1 |
| Point value | ₹0.2 | — |
| Monthly cap | ₹200 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2Best | 0 |
| Lounge spend criteria | No spend condition | — |
| Intl lounge / year | 0 | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 1.8%Best |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | — |
| Min income / month | ₹25,000 | — |
| Min CIBIL | 750 | — |
| Invite only | ||
| Rows won | 05of 10 | 05of 10 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Indian Oil Axis Bank Credit Card | IndusInd Legend Credit Card |
|---|---|---|
| CardCheck Score | 80/100Excellent | 67/100Good |
| Annual Fee | ₹500 | Free (₹0) |
| Fee Waiver Spend | ₹3.5L/yr | No waiver |
| Max Reward Potential | 4% | 2% |
| Domestic Lounge Access | 2 / quarter | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 1.8% |
Choose Indian Oil Axis Bank Credit Card if:
Your spending centers around fuel spending at indian oil petrol pumps and you want direct partner rewards with Axis Bank.
Choose IndusInd Legend Credit Card if:
Your spending aligns with lifetime-free with lounge access — 4x on dining, weekend entertainment and you prioritize IndusInd Bank's redemption benefits.
Frequently asked questions: Indian Oil Axis Bank Credit Card vs IndusInd Legend Credit Card
- Which is better: Indian Oil Axis Bank Credit Card or IndusInd Legend Credit Card?
- Indian Oil Axis Bank Credit Card holds a higher overall rating with a CardCheck Score of 80/100 (Excellent) compared to 67/100 (Good) for IndusInd Legend Credit Card (a lead of +13 points). Indian Oil Axis Bank 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?
- Indian Oil Axis Bank Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹3.5 Lakh for renewal fee waiver. In comparison, IndusInd Legend Credit Card charges an annual fee of ₹0 (Lifetime Free / Zero Fee) with no official annual spend waiver milestone.
- How do the reward rates and cashback compare between Indian Oil Axis Bank Credit Card and IndusInd Legend Credit Card?
- Indian Oil Axis Bank Credit Card offers a base reward rate of 0.2% and up to 4% on accelerated partner categories. Meanwhile, IndusInd Legend Credit Card offers a base rate of 1% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Indian Oil Axis Bank Credit Card or IndusInd Legend Credit Card?
- Indian Oil Axis Bank Credit Card provides 2 complimentary domestic lounge visits per quarter (8/year). On the other hand, IndusInd Legend Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Indian Oil Axis Bank Credit Card levies a foreign currency markup fee of 3.5%, while IndusInd Legend Credit Card charges 1.8%. 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).