Indian Oil Axis Bank RuPay Credit Card

  • Joining Fee: 500
  • Renewal Fee: 500
  • Best Suited For: Fuel | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: 100% cashback (up to Rs. 250) on the first fuel transaction made within 30 days of card issuance.
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Indian Oil Axis Bank Credit Card is a co-branded fuel credit card issued by Axis Bank in collaboration with IOCL (Indian Oil Corporation Limited). The card aims to provide great saving opportunities to those who spend very often on fuel. It is an entry-level card and hence comes with a nominal joining and annual fee of Rs. 500. The card offers a particularly high reward rate of 5% on fuel spends at IOCL filling stations and a decent reward rate of 1% on online spends. Being an entry-level credit card, although it doesn’t offer many additional benefits, you, however, do get dining and movie benefits with instant discounts on movie tickets and discounted rates at partner restaurants under the bank’s Dining Delights Program. Other than this, the cardholders get fuel surcharge waivers and many more benefits with the IndianOil Axis Bank Credit Card. Learn more about the entry-level co-branded credit card offered by Axis Bank and IOCL.

New Features

Spend Based Waiver

Renewal fee waived off on annual spending of Rs. 50,000.

Interest Rates

3.4% per month (49.36% per annum)

Add-on Card Fee


Rewards Redemption Fee


Fuel Surcharge

1% fuel surcharge waived at all filling stations across India for transactions between Rs. 200 and Rs. 5,000

Foreign Currency Markup

3.5% of the transaction amount.

Cash Advance Charges

3.4% of the total transaction amount (Minimum Rs. 500).

Movie & Dining

10% instant discount on movie ticket bookings on BookMyShow



International Lounge Access


Rewards Rate

20 Reward Points per Rs. 100 on fuel transactions at IOCL stations, 5 Reward Points per Rs. 100 on online shopping and 1 EDGE Point per Rs. 100 on all other spends with the card



Insurance Benefits


Reward Redemption

Reward Points redeemable for shopping/travel vouchers and products (from the given product catalog) on Axis Bank EDGE Rewards Portal.

Domestic Lounge Access


Zero Liability Protection

Cardholder shall not be liable for any fraudulent transaction made with the card post reporting the loss of card to the bank


The card is best suited for transactions at petrol stations, offering excellent cashback on fuel, a daily necessity. Get 10% off on movie tickets made with BookMyShow.


While this card is great for cashback on fuel transactions, it does not provide any travel benefits. You won’t receive a significant welcome benefit, only a cashback of Rs. 250 on your first transaction.

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