IndianOil Axis Rupay Credit Card

Axis Vistara Platinum Credit Card

Best For

Fuel

Shopping

Online Food Ordering

Best For

Shopping

Online Food Ordering

Travel

Cashback

APPLY AND GET1400 GIFT CARD

Cashback

APPLY AND GET425 GIFT CARD

Top Benefits

  • within 30 days of card issuance, credited within T+12 days at 1 EDGE Mile = ₹1
  • at listed IndianOil outlets up to ₹15,000 per statement month, capped at 600 EDGE Miles at 1 EDGE Mile = ₹1

Top Benefits

  • access on spending ₹50,000 in the previous 3 calendar months
  • spent redeemable for upgrades and award flights via Air India Maharaja Club

Welcome Benefits

Welcome Benefits

  • 500 EDGE Miles on first spend within 30 days of card issuance, no minimum spend required

Welcome Benefits

Welcome Benefits

  • One complimentary one-way Economy Class base-fare-waived ticket voucher on the Air India domestic network, issued as a welcome gift on fee payment

Travel Benefits

Flight Benefits

  • Up to 15% instant savings on flights & hotels via MakeMyTrip every Wednesday

Railway Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Travel Benefits

Flight Benefits

  • Earn 2 Maharaja Points for every ₹200 spent on eligible spends
  • Redeem Maharaja Points for Flight Upgrades and Award Flights via Air India Maharaja Club
  • Save up to 15% instantly on Flights and Hotels via Goibibo and MakeMyTrip every Wednesday

Railway Benefits

  • This card does not offer any benefits in this category

Cab Benefits

  • This card does not offer any benefits in this category

Bus Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge Benefits

  • 2 complimentary domestic airport lounge visits per quarter

Railway Lounge Benefits

  • This card does not offer any benefits in this category

Lounge Benefits

Airport Lounge Benefits

  • 2 Complimentary Domestic Airport Lounge accesses at select airports within India
  • Minimum spend of ₹50,000 in the previous 3 calendar months required to unlock Lounge Access
  • For newly issued cards, the minimum spend criteria is waived for the month of issuance and the following 3 calendar months

Railway lounge Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Benefits

  • This card does not offer any benefits in this category

Movie Tickets

Movie Ticket Benefits

  • This card does not offer any benefits in this category

Dining Benefits

Dining Benefits

  • 30% instant discount on Zomato food delivery maximum discount of ₹150 per order, minimum order value of ₹200 valid up to 2 times per calendar month
  • 10% off on orders via Swiggy every Wednesday

Dining Benefits

Dining Benefits

  • This card does not offer any benefits in this category

Fuel Benefits

Fuel Benefits

  • Earn 6 EDGE Miles for every ₹150 spent at IndianOil fuel outlets
  • Accelerated earn applicable up to ₹15,000 per statement month
  • Total earn on ₹15,000 fuel spends is capped at 600 EDGE Miles per month
  • Spends above ₹15,000 per month earn 1 EDGE Mile per ₹150

Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on fuel purchases at IOCL outlets
  • Waiver applicable only at listed IndianOil outlets with IOCL authorized EDCs
  • GST charged on fuel surcharge is non-refundable
  • Surcharge reversal credited within 15 days if not reversed automatically at settlement

Fuel Benefits

Fuel Benefits

  • This card does not offer any benefits in this category

Fuel Surcharge Waiver Benefits

  • This card does not offer any benefits in this category

Insurance

Insurance Benefits

  • This card does not offer any benefits in this category

Insurance

Insurance Benefits

  • Purchase protection cover up to ₹1,00,000
  • Travel-related coverage up to USD 300 for loss of travel documents
  • Coverage for delay of check-in baggage
  • Coverage for loss of check-in baggage

Bank Offers

Bank Offer

  • Wednesday Delight: up to 15% instant savings on flights & hotels via MakeMyTrip every Wednesday

Bank Offers

Bank Offer

  • Wednesday Delight offers every Wednesday on partner platforms
  • Save up to 15% instantly on flights and hotels via Goibibo and MakeMyTrip every Wednesday
  • Get 10% off on orders via Swiggy and Amazon Fresh every Wednesday
  • Get 10% off on Tira purchases up to ₹1,000 every Wednesday

Joining Fee

₹500

Joining Fee

₹1500

Joining Fee Waiver

500 EDGE Miles on first spend within 30 days of card issuance

Joining Fee Waiver

1 complimentary economy class ticket on card issuance

Annual Fee

₹500

Annual Fee

₹1500

Annual Fee Waiver

The annual fee is waived if you spend ₹30000 or more in a year on your card, as per bank policy.

Annual Fee Waiver

Not Applicable

Minimum Age

18

Minimum Age

18

Maximum Age

70

Maximum Age

70

Income (Salaried)

3 LPA

Income (Salaried)

6 LPA

Income (Self-Employed)

3 LPA

Income (Self-Employed)

3.5 LPA

Credit Score Required

720

Credit Score Required

720

Employment Type

Salaried & Self-Employed

Employment Type

Salaried & Self-Employed

Forex Markups

3.50%

Forex Markups

3.50%

APR Fees

3.75%

APR Fees

3.75%

ATM withdrawal

2.50%

ATM withdrawal

2.50%

Reward Redemption Fees

₹99

Reward Redemption Fees

Not Applicable

Link for all T&Cs

View T&C

Link for all T&Cs

View T&C

Railway Surcharge

1.80%

Railway Surcharge

As prescribed by IRCTC / Indian Railways

Rent Payment Fees

1%

Rent Payment Fees

1%

Cash Payment Fees

₹175

Cash Payment Fees

₹175

Check Payment Fees

2%

Check Payment Fees

2%

Max Fee

750

View Breakdown

Max Fee

750

View Breakdown

All Reversals

All Reversals

Cancelled Transactions

Cancelled Transactions

Cash Advances

Cash Advances

ATM Cash Withdrawals

ATM Cash Withdrawals

Quasi-Cash Transactions

Quasi-Cash Transactions

Money Transfers

Money Transfers

P2P Transfers

P2P Transfers

Wallet Loads

Wallet Loads

Gift Cards and Vouchers

Gift Cards and Vouchers

EMI Spends

EMI Spends

Bank Charges & Fees

Bank Charges & Fees

Late Payment Fees

Late Payment Fees

Processing Fees

Processing Fees

Financial Charges

Financial Charges

Interest Charges

Interest Charges

Payment Returned Charges

Payment Returned Charges

Service/Interest Charges

Service/Interest Charges

Transaction Charges

Transaction Charges

Education Spends

Education Spends

Fuel Spends

Fuel Spends

Fuel Surcharge

Fuel Surcharge

Toll Payments

Toll Payments

Gambling Transactions

Gambling Transactions

Lottery

Lottery

Online Skill-Based Gaming

Online Skill-Based Gaming

Government-related Transactions

Government-related Transactions

Utility Bill Payments

Utility Bill Payments

Telecom

Telecom

Taxes

Taxes

Insurance Payments

Insurance Payments

Jewellery Purchases

Jewellery Purchases

Forex Transactions

Forex Transactions

Cryptocurrency/Digital Asset Transactions

Cryptocurrency/Digital Asset Transactions

Rent Payment

Rent Payment

Railways

Railways

Transportation

Transportation

Business Services

Business Services

Contracted Services

Contracted Services

Collection Agencies

Collection Agencies

Security Broker Services

Security Broker Services

Charity

Charity

Donations

Donations

Antique Items

Antique Items

Load Money

Load Money

Liquid Assets

Liquid Assets

Outstanding Payments

Outstanding Payments

Voucher Purchases

Voucher Purchases

Miscellaneous

Miscellaneous

Donations to Religious Organizations

Donations to Religious Organizations

Donations to Political Organizations

Donations to Political Organizations

Smartpay

Smartpay

Smartbuy portal

Smartbuy portal

The smartest way to find your great credit card

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