The Axis Indian Oil Credit Card benefits make this card an attractive option for people who frequently spend on fuel and selected online purchases. Issued by Axis Bank in association with Indian Oil, the RuPay credit card offers accelerated reward points on eligible Indian Oil fuel transactions, a fuel surcharge waiver, welcome cashback and additional lifestyle offers.

The Indian Oil Axis Bank RuPay Credit Card can also be useful for customers who prefer the RuPay network and want to make eligible credit card payments through UPI.

If you are searching for Axis Indian Oil Credit Card benefits, Indian Oil RuPay Axis Bank Credit Card benefits, fuel rewards, fees, eligibility, lounge access or minimum credit limit information, this guide covers the important features in simple language.

Important: Credit card benefits, reward structures, fees, eligibility requirements and promotional offers may change. Always check the latest official terms and conditions before applying.

Axis Indian Oil Credit Card Benefits at a Glance

Feature	Details
Card Network	RuPay
Fuel Rewards	20 EDGE Reward Points per ₹100 on eligible Indian Oil fuel spends
Fuel Reward Cap	Eligible spends capped at ₹5,000 per month
Online Rewards	5 EDGE Reward Points per ₹100 on eligible online spends
Online Reward Cap	Eligible spends capped at ₹5,000 per month
Fuel Surcharge Waiver	1%, capped at ₹50 per month
Welcome Benefit	100% cashback up to ₹250 on the first eligible fuel purchase within 30 days
Joining Fee	₹500 + GST
Annual Fee	₹500 + GST from the second year
Annual Fee Waiver	On eligible annual spending of ₹3.5 lakh
UPI Feature	Eligible RuPay credit card transactions through supported UPI platforms
Dining	Up to 15% off through eligible dining offers
Eligibility Age	21 to 65 years

AXIS INDIAN OIL CREDIT CARD BENEFITS APPLY HERE

Axis Indian Oil Credit Card Benefits

1. Earn Reward Points on Indian Oil Fuel Spends

One of the biggest Axis Indian Oil Credit Card benefits is the opportunity to earn accelerated rewards on eligible fuel purchases at Indian Oil outlets.

Cardholders can earn 20 EDGE Reward Points per ₹100 on eligible Indian Oil fuel transactions. According to the provided benefit structure, this represents approximately 4% value back, subject to the applicable reward redemption value and terms.

The accelerated reward benefit is capped at eligible fuel spending of ₹5,000 per month.

This benefit can be useful for:

• Daily commuters
• Car owners
• Two-wheeler owners
• Customers who regularly purchase fuel
• People who frequently visit Indian Oil fuel outlets

For regular Indian Oil customers, the fuel reward structure is one of the main reasons to consider this credit card.

2. 1% Fuel Surcharge Waiver

Another important Axis Indian Oil Credit Card benefit is the fuel surcharge waiver.

The card offers a 1% fuel surcharge waiver, subject to applicable terms and conditions. The maximum waiver is capped at ₹50 per month.

This can help reduce the additional cost associated with eligible fuel transactions.

However, customers should remember that fuel surcharge waiver benefits may have transaction limits, merchant eligibility requirements and monthly caps. Always check the latest card terms before applying.

3. Earn Rewards on Online Spending

The Indian Oil Axis Bank RuPay Credit Card is not only designed for fuel transactions.

Eligible online spending can earn 5 EDGE Reward Points per ₹100, which is approximately 1% value back according to the provided reward structure.

The online reward benefit is capped at eligible online spending of ₹5,000 per month.

This gives cardholders an opportunity to earn rewards on selected online purchases in addition to their regular fuel expenses.

4. Welcome Cashback up to ₹250

New eligible cardholders can receive 100% cashback up to ₹250 on their first eligible fuel purchase made within the first 30 days.

The welcome cashback can partially offset the joining fee of the card.

Before applying, make sure you check:

• Eligible transaction requirements
• Fuel purchase timeline
• Cashback conditions
• Maximum cashback amount
• Cashback crediting period

5. RuPay Credit Card with UPI Payments

One of the major features of the Indian Oil RuPay Axis Bank Credit Card is the RuPay network.

Eligible RuPay credit cards can be linked with supported UPI applications, allowing customers to make eligible QR-code-based payments using their credit card.

This can provide an additional payment option for everyday spending where credit-card-on-UPI transactions are supported.

Please note that not every UPI transaction or merchant category may qualify for credit card payments or rewards.

6. Dining Benefits

The card may also provide additional lifestyle benefits through participating dining programs.

Eligible cardholders can receive up to 15% off through selected offers available under Axis Bank dining programs and EazyDiner.

This can be useful for customers who frequently dine at participating restaurants.

Restaurant availability, discount limits and minimum transaction requirements may apply.

7. Travel, Food and Shopping Offers

The provided offer information also highlights selected Wednesday savings and lifestyle offers.

Eligible offers may include:

• Up to 15% off on selected flights and hotels through Goibibo and MakeMyTrip
• 10% off on selected Swiggy orders
• 10% off on selected Amazon Fresh orders
• Up to 10% off on Tira, subject to a maximum discount of ₹1,000

These promotional offers may change and can be subject to merchant-specific terms, dates, minimum transaction values and offer availability.

Axis Indian Oil Credit Card Fees and Charges

Understanding the Axis Indian Oil Credit Card charges is important before applying.

Fee	Applicable Charge
Joining Fee	₹500 + GST
Annual Fee	₹500 + GST from the second year
Annual Fee Waiver	Eligible annual spending of ₹3.5 lakh
Welcome Cashback	Up to ₹250 on the first eligible fuel purchase

The joining fee is ₹500 + GST.

From the second year onwards, the card carries an annual fee of ₹500 + GST, which may be waived when the cardholder achieves the eligible annual spending requirement of ₹3.5 lakh.

Always verify the latest fee schedule before submitting your application.

Indian Oil Axis Bank RuPay Credit Card Lounge Access

Many users search for Indian Oil Axis Bank RuPay Credit Card lounge access.

Based on the information provided for this card, airport lounge access is not listed as a primary or core benefit.

Therefore, you should not assume that the card includes complimentary domestic or international airport lounge access.

If airport lounge access is important to you, consider checking the latest official terms and comparing this card with other travel-focused credit cards.

Indian Oil Axis Bank Credit Card Minimum Limit

Another common question is about the Indian Oil Axis Bank Credit Card minimum limit.

The final credit limit is generally decided by the card issuer based on the applicant’s financial and credit profile.

Factors may include:

• Monthly or annual income
• Credit score
• Credit history
• Existing loans and credit cards
• Credit utilisation
• Repayment history
• Internal eligibility policies

The income requirement mentioned for eligibility should not be considered a guaranteed minimum credit limit.

Different applicants may receive different credit limits based on their individual profiles.

Axis Bank Indian Oil Credit Card Against FD

Some customers search for an Axis Bank Indian Oil Credit Card against FD.

Based on the information provided, this card should not automatically be considered an FD-backed or secured credit card.

The provided card details do not specifically mention an option to obtain the Indian Oil Axis Bank RuPay Credit Card against a fixed deposit.

If you are looking for a secured credit card against an FD, check the currently available secured credit card options offered by the bank separately.

Axis Indian Oil Credit Card Eligibility Criteria

According to the provided information, applicants should meet the following eligibility requirements.

Age

Applicants should generally be between:

21 and 65 years

Employment

Both of the following applicant categories may be eligible:

• Salaried individuals
• Self-employed individuals

Minimum Income

Salaried applicants: Minimum monthly income of ₹25,000

Self-employed applicants: Minimum annual income of ₹3,60,000

Credit Score

The provided promotional information mentions a credit score of:

736 or above

However, a credit score alone does not guarantee approval.

New-to-Credit Applicants

According to the provided promotional eligibility criteria, new-to-credit applicants are not eligible.

Final approval remains subject to the bank’s internal credit and risk assessment.

Documents Required for Axis Indian Oil Credit Card

Applicants may need to provide the following documents.

Identity Proof

• PAN Card
• Form 60, where applicable

Address Proof

• Aadhaar Card
• Passport
• Utility bills or other accepted documents

Income Proof

• Recent bank statements
• Salary slips
• Income documents for self-employed applicants

Photograph

• Recent passport-sized photograph, where required

The exact documents requested may vary depending on your profile and verification requirements.

How to Apply for the Indian Oil Axis Bank RuPay Credit Card

Before starting the application, keep the required information and documents ready.

You may need:

1. PAN Card or Form 60
2. Aadhaar-linked mobile number
3. Address details
4. Income information
5. Employment details
6. Supporting income documents

Make sure that the information entered during the application matches your official documents.

If you apply through a promotional or referral link, carefully review the offer-specific eligibility and tracking conditions.

Axis Indian Oil Credit Card Pros and Cons

Pros	Cons
High rewards on eligible Indian Oil fuel spending	Fuel rewards are subject to monthly spending caps
1% fuel surcharge waiver	Maximum surcharge waiver is capped at ₹50 per month
Reward Points on eligible online spending	Joining fee of ₹500 + GST
Welcome cashback up to ₹250	Annual fee of ₹500 + GST from the second year
RuPay network supports eligible UPI credit card payments	Lounge access is not listed as a core benefit
Dining and lifestyle offers	Benefits may have merchant and transaction restrictions
Annual fee waiver available on eligible spending	Not ideal for customers who rarely purchase fuel from Indian Oil

Who Should Apply for the Axis Indian Oil Credit Card?

The card may be suitable for people who:

• Regularly purchase fuel from Indian Oil outlets
• Want accelerated rewards on eligible fuel spending
• Prefer a RuPay credit card
• Want to make eligible credit card payments through UPI
• Make regular online purchases
• Want fuel surcharge waiver benefits
• Can use dining and lifestyle offers

The card may be less suitable for people who:

• Rarely purchase fuel
• Primarily want airport lounge access
• Want unlimited fuel rewards
• Prefer premium travel benefits

Is the Axis Indian Oil Credit Card Worth It?

The value of the card depends mainly on your spending pattern.

For customers who regularly purchase fuel from Indian Oil outlets, the Axis Indian Oil Credit Card benefits can provide good value through accelerated reward points and a fuel surcharge waiver.

The RuPay network and eligible UPI functionality can also make the card useful for customers who prefer digital payments.

However, the reward caps and annual fee should be considered before applying.

If your spending is sufficient to qualify for the annual fee waiver and you regularly use the fuel and lifestyle benefits, the card may offer better overall value.

Frequently Asked Questions

What are the benefits of Axis Indian Oil Credit Card fuel?

The main fuel-related Axis Indian Oil Credit Card benefits include 20 EDGE Reward Points per ₹100 on eligible Indian Oil fuel spending, subject to applicable caps and terms.

Cardholders may also receive a 1% fuel surcharge waiver capped at ₹50 per month.

Eligible new cardholders can also receive welcome cashback of up to ₹250 on their first qualifying fuel purchase.

What are the benefits of Axis RuPay credit card?

An Axis Bank RuPay credit card provides the benefits of the underlying card while allowing eligible customers to make supported credit card payments through UPI.

The Indian Oil Axis Bank RuPay Credit Card offers fuel rewards, online spending rewards and selected lifestyle benefits, subject to applicable terms.

What is the Indian Oil RuPay credit card?

The Indian Oil RuPay credit card is a co-branded credit card designed for customers who want rewards and benefits related to eligible Indian Oil fuel purchases.

The RuPay network can also allow eligible customers to make credit card payments through supported UPI platforms.

What are the benefits of an Indian Oil petrol card?

An Indian Oil-focused credit card may provide benefits such as:

• Accelerated reward points on eligible fuel spending
• Fuel surcharge waiver
• Welcome offers
• Rewards on selected online spending
• RuPay UPI payment functionality
• Dining and lifestyle discounts

The actual value depends on your spending pattern and the applicable terms and reward caps.

Does the Indian Oil Axis Bank RuPay Credit Card provide lounge access?

Airport lounge access is not listed as a core benefit in the information provided for this card.

If lounge access is important, always verify the latest official card features before applying.

What is the minimum credit limit for the Axis Indian Oil Credit Card?

There is no universal guaranteed minimum credit limit mentioned in the provided information.

The final credit limit is generally decided based on your income, credit profile, repayment history and other internal bank criteria.

Can I get an Axis Bank Indian Oil Credit Card against FD?

The provided information does not specifically mention this card as an FD-backed credit card.

Customers looking for a secured credit card against a fixed deposit should check the bank’s currently available secured card options.

Is the Axis Indian Oil Credit Card lifetime free?

No. According to the provided information, the card has a joining fee of ₹500 + GST.

The annual fee is ₹500 + GST from the second year onwards.

The annual fee may be waived on achieving eligible annual spending of ₹3.5 lakh.

What credit score is required for the Axis Indian Oil Credit Card?

The promotional information provided mentions a credit score of 736 or above.

However, meeting this score does not guarantee approval because other income, credit and internal risk assessment factors may also be considered.

Important Terms and Conditions

If you are applying through a promotional or referral campaign, carefully review all applicable terms.

According to the promotional information provided:

• Tracking time may be up to 72 hours after Application ID generation.
• Confirmation may occur within 75 days of card activation.
• Applications made through the Axis Bank app may not qualify for the stated promotional profit.
• Referral earnings may not qualify for the promotional profit.
• Customers who currently hold or have previously held an Axis Bank credit card may not qualify for the promotional profit.
• A minimum transaction of ₹100 within 30 days may be required.
• Applicants should use an Aadhaar-linked mobile number.
• Address distance conditions may affect application approval.
• VKYC location requirements may affect approval and promotional eligibility.

These conditions relate to the promotional information provided and may not represent the universal terms of the Axis Indian Oil Credit Card.

Always verify the latest official terms before applying.