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AXIS BANK LTD
Indian Oil Axis Bank RuPay Credit Card
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Verified Catalog
Source: AXIS BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
Fuel-focused card with UPI compatibility
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
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Technical details
Fees structure and lounge network details.
Joining fee, annual fee, and lounge network coverage are shown in a minimal data grid.
Joining fee
₹500
The front-loaded charge when you apply.
Annual fee
₹500
Shown alongside the annual renewal cost.
Networks
Domestic & Int'l
Lounge network compatibility.
Rewards Calculator
Interactive Spend & Earning Estimation.
Slide to match your average monthly spending across categories and see how much value you earn back in a year.
Monthly Spending Profile
Dining & Food (1% value)
₹5,000Travel & Hotels (1.5% value)
₹5,000Groceries (1.5% value)
₹5,000Online Shopping (2% value)
₹10,000Other Spends (1% value)
₹5,000Estimated Annual Spends
₹3,60,000
Annual Value Back
₹1,350
Points value at ~₹0.25 per point.
Annual Fee: ₹500100% Offset
🎉 Your earnings completely offset the annual fee!
Premium Benefits
Core privileges & lounge coverage.
Explore travel, dining, lifestyle, and protection privileges associated with this card tier.
Airport Lounge Access
"2 free domestic airport lounges"
Hotel Privileges
"(Lounge access being terminated)"
Detailed Schedule & Eligibility
Technical fees & documentation requirements.
View interest rates, Forex charges, late fees, and document checkmarks needed for approval.
Minimum Income
Subject to review / check apply details
Age Requirements
18–70 Years (Standard)
Required Documents
"Fixed Deposit required (minimum ₹20,000, ₹25,000 for NRIs)"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Best for frequent diners who use EazyDiner regularly and value movie tickets and airport lounge benefits"
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- Rewards Type: Points
- Welcome Offer: ₹ 500 cashback on eligible spends of ₹ 10,000 within 90 days of card issuance.
- 1 Membership Rewards point for every ₹ 50 spent with the card (except spends on insurance, fuel, utilities, cash transactions and EMI conversions)
- 10X accelerated Membership Rewards Points on Flipkart, Zomato, Uber and more.
Cons
- Renewal fee waived on the expenditure of ₹ 40,000 or above in the previous year.
- RP to Rupees: 1 RP = ₹0.25
- Spa: NA
- max ₹700 per ticket)
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