Credit Card Compare

IndianOil Axis Bank Credit Card

Data last updated 23 October 2026
45.00%
Purchase rate
₹500
Annual fee
1,250
Bonus points
Application

CardIQ

73Strong

Strong

Overall score, out of 100 · How this works

  • Rewards85
  • Sign-up bonus61

Customer reviews

No reviews yet. Be the first to review the IndianOil Axis Bank Credit Card.

Pros & cons

What's good

  • 1,250 bonus points to start, worth around ₹1,250 at our ₹1-per-point valuation.
  • No fee to add an additional cardholder.

Worth noting

  • Joining fee ₹500 in year 1; annual fee Nil in year 1, ₹500 from year 2 onwards. Waived if annual spends exceed ₹3,50,000 in a card anniversary year. GST applicable as per government norms. Tax not included in stated figures.
  • The 20-point rate on iOCL fuel outlets in India applies only to the first ₹5,000 spent each month, then drops to a lower rate.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Axis Bank EDGE Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
18 years old
Minimum income
Not specified
Residency
Resident of India or a Non-Resident Indian
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹500 p.a.
Annual fee (year 2+)
₹500 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹500

Repayments

Interest-free period
Not published
Minimum repayment
Not stated on this page

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
—

Sign-up bonus

Bonus spend required
—
Sign-up bonus
1,250 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate45.00%Top 10% (4th of 49 cards)
Overseas fee3.50%Better than most (14th of 49 cards)
Annual fee₹500 a yearBetter than most (17th of 49 cards)
Sign-up bonus₹1,250Middle of the market (11th of 22 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
Axis Bank