Axis Bank
Platinum · IndianOil RuPay
IndianOil Axis Bank RuPay Credit Card
Axis Bank
Maximise fuel savings with 20 reward points per ₹100 at IndianOil
Annual Fee
₹500
Joining Fee
₹500
Reward Rate
0.2%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹4,410
Total Annual Benefits
₹5,000
Total Annual Charges
₹590
ROI
747%
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Fuel Benefits (2)
20 RP per ₹100 at IndianOil
Earn 20 EDGE Reward points per ₹100 spent at IndianOil fuel stations
- • Valid at IndianOil outlets only
- • Maximum ₹5,000 per transaction
20 RP per ₹100
Fuel Surcharge Waiver
1% fuel surcharge waiver at IndianOil pumps
- • Valid at IndianOil pumps
- • Transactions ₹200–₹5,000
- • Max ₹250 per cycle
1% waiver
₹3,000/yr
Cashback Benefits (1)
5 RP per ₹100 on Online Spends
Earn 5 EDGE Reward points per ₹100 on all online transactions
- • Valid on online transactions
5 RP per ₹100
Reward Points (1)
1 RP per ₹100 on Other Spends
Earn 1 EDGE Reward point per ₹100 on all other retail transactions
- • Applies to all non-fuel, non-online spends
1 RP per ₹100
Reward Program
Program
Axis EDGE Reward Points
1–20 RP per ₹100
Effective cashback: 0.20%
Points expire: 3 years from date of accrual
Redemption Options
- → Fuel at IndianOil outlets
- → Products & Gift Vouchers via Edge Rewards portal
- → Statement credit
Bonus Categories
IndianOil
20x multiplier
20 RP per ₹100
Online
5x multiplier
5 RP per ₹100
Other
1x multiplier
1 RP per ₹100
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹500 Excluding GST at 18% |
| Annual Fee | ₹500 Excluding GST at 18% |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.6%
- Late Payment Fee
- ₹750
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹200 – ₹5,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹1,80,000
- Min. Credit Score
- 650
- Age Range
- 18 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Net Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹1.8 Lakh p.a.
- • Age 18–65 years
- • RuPay card supports UPI payments
Insurance Coverage
Lost Card Liability
₹1.0 L
Report within 24h
- • Lost card liability: ₹1 Lakh
- • Report loss within 24 hours for coverage
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
RuPay UPI compatible Contactless payments EMV chip security Domestic acceptance Add-on cards available EMI conversion facility IndianOil co-branded fuel rewards Low annual fee
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The IndianOil Axis Bank RuPay Credit Card is a co-branded fuel credit card offering 20 EDGE Reward points per ₹100 spent at IndianOil outlets, 5 RP pe...
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