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AXIS BANK LTD
IndianOil Axis Bank Credit Card
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Verified Catalog
Source: AXIS BANK LTD Official
Updated: Aug 2026
Overview
Editorial snapshot & Positioning.
A co-branded fuel card offering savings on fuel purchases at IOCL stations and additional benefits on online shopping.
Key features
Highlights and rewards metrics.
The strongest rewards and lifestyle perks are surfaced as concise highlights.
Highlight 1
5% savings on IOCL fuel.
Highlight 2
1% back on online shopping.
Highlight 3
Fuel surcharge waiver.
Highlight 4
Joining fee ₹500
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
₹1,000
The front-loaded charge when you apply.
Annual fee
₹1,000
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
Avios Points value at ~₹0.25 per point.
Annual Fee: ₹1,000100% 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
"Free access at selected domestic airports"
Hotel Privileges
"Complimentary Club Vistara Silver membership with fast-track to Gold tier. 8 complimentary domestic airport lounge visits per year."
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
"Income proof"
Summary
Pros, cons, rating, and decision metrics.
CredHunt Expert Verdict
Editorial Review Score: 10/10
"Pros This card offers complimentary domestic and international lounge access. With this card, you can get up to 50% off on partner restaurants. Cons This card comes with a high annual fee of ₹ 60,000. There isn’t any waiver of the annual fees with this card."
Expert opinion & editorial scorecard summarizing the card's position.
5.0 / 5
Pros
- APR: 46% per annum (3.83% monthly)
- Rewards Type: Avios Points
- Welcome Offer: 1,000 bonus EDGE reward points on card activation.
- Accelerated Rewards Program: Earn up to 10 times Reward Points on your travel and shopping spends on Smartbuy
Cons
- Base Rate: 3% on food/entertainment/commute, 1% others
- RP to Rupees: Not disclosed
- International Airport: 2 complimentary visits in a quarter
- Spa: Not specified
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