Axis
IndianOil Axis Premium Credit Card
This is an invite only card
Top Benefits
Earn 6X EDGE Miles on IndianOil Fuel Spends
for every ₹150 spent at IndianOil IOCL fuel outlets on up to ₹15,000 each statement month six times the base earn rate on your fuel
Get 30% Off on Zomato Food Delivery
on a minimum order of ₹200, capped at ₹150 per order and available twice every calendar month Coupon- AXISIOCL
Best For
Fuel
Online Food Ordering
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹1,180 ( ₹1000 + GST )
Annual Fees
₹1,180 ( ₹1000 + GST )
Eligibility
Age
Criteria*
18-70 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- 6X EDGE Miles per ₹150 at IndianOil (IOCL) fuel outlets (up to ₹15,000/month
- 30% off on Zomato, max ₹150, twice a month, code AXISIOCL
- 2 complimentary domestic airport lounge visits per quarter (8/year)
- Wednesday Delight: up to 15% off flights & hotels via MakeMyTrip, 10% off on Swiggy, and 10% off up to ₹1,000 on Tira
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹1
Redemption Options
- Flight & Hotel Bookings
- Gift Vouchers
- Partners Outlets
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Utility Bills
Telecom
Education
Rent
Wallet Load
Government Services
Insurance
Gold
Jewellery
Financial Institutions
Cash Advance
Repayments
Transportations
Tolls
Fuel (non IOCL)
For Spends Waiver
Utility Bills
Telecom
Education
Rent
Wallet Load
Government Services
Insurance
Gold
Jewellery
Financial Institutions
Cash Advance
Repayments
Transportations
Tolls
Fuel (non IOCL)
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.50% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 3.75% per month 45% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal minimum ₹450 | 2% |
Cash Payment Fees A fee of ₹175 is charged for payments made by depositing cash at a bank branch | ₹175 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5000 | ₹500 |
| ₹5001 - ₹10000 | ₹750 |
| Above ₹10000 | ₹1200 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Earn 6X EDGE Miles on IndianOil Fuel Spends
for every ₹150 spent at IndianOil IOCL fuel outlets on up to ₹15,000 each statement month six times the base earn rate on your fuel
Get 30% Off on Zomato Food Delivery
on a minimum order of ₹200, capped at ₹150 per order and available twice every calendar month Coupon- AXISIOCL
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