CardTrail
Axis Indian Oil Credit Card credit card
Fuel

Axis Indian Oil Credit Card

Axis logo Axis
6.2
CardTrail Score
Decent
out of 10
💰 Net Value
4.0
🔓 Accessibility
8.2
⚡ Feature Depth
4.0
🏦 Bank Trust
6.0
How we score →
Compare This Card Full Details
Annual Fee
₹500
Spend ₹3.5L/year
Forex Markup
3.5%
Reward Rate
0.5%
Up to 4%
Lounge Access
0
domestic | 0 intl

About This Card

The Axis Indian Oil card is purpose-built for drivers who fill up at Indian Oil stations. 4% cashback on fuel + 1% surcharge waiver = 5% total savings on fuel. If you spend ₹5,000/month on Indian Oil fuel, you save ₹3,000/year. Very niche but effective.

Pros & Cons

Pros

  • 4% fuel cashback — highest in category
  • 1% surcharge waiver stacks
  • RuPay — UPI compatible
  • Low fee

Cons

  • Only works at Indian Oil stations
  • No lounge access
  • 3.5% forex
  • Limited beyond fuel

Fee Details

Annual Fee
₹500
Joining Fee
₹500
Fee Waiver Condition
Spend ₹3.5L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
0.5%
Max Rate
4%
Currency
Cashback
Welcome Bonus
₹250 cashback

Lounge Access

Domestic Lounges
0
International Lounges
0

Key Highlights

  • + 4% cashback on fuel at Indian Oil
  • + 1% fuel surcharge waiver
  • + RuPay — works on UPI

Compare With...

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Quick Summary

Best For
fuel beginner
Annual Fee ₹500
Base Reward 0.5%
Max Reward 4%
Forex Markup 3.5%
Network RuPay
Min Income ₹2L+
Compare This Card

CardTrail Score

6.2
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

fuel beginner

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