Axis Indian Oil credit card credit card
Joining Fee:

₹500 +GST

Return Percentage:

3% to 4%

Apply Now

Credit Card Overview

A co-branded card with Indian Oil offering fuel surcharge waivers, accelerated rewards on fuel purchases, and additional benefits on groceries and utility bill payments.

Best Suited For: Brand Wallet, Cashback

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Fees and charges at a glance

Annual fee
₹500

Charged every year you keep the card

Joining fee
₹500

Paid once when you get the card, plus GST

Reward rate
3% to 4%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
55% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

Axis Indian Oil credit card — Earn Categories

Where you earn more

  • Indian OilFuel · Fuel20 ERs / ₹100

    A maximum of ₹5000 spends are eligible.|Transaction should be between ₹400 to ₹4000 is eligible. · 1% charge on this category · Minimum ₹100 per transaction

Other categories

  • Online5 ERs / ₹100

    A maximum of ₹5000 spends are eligible.|Transaction should be between ₹100 to ₹5000 is eligible. · Minimum ₹100 per transaction

Everyday rate

  • Base Rewards1 Edge Rewards (ERs) / ₹100

    Minimum ₹100 per transaction

1 more earning category on this card

We track all 4 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Rent
  • Utilities
  • Wallets
  • Jewellery
  • Insurance
  • Government
  • Fuel