Axis Indian Oil RuPay Credit Card

Available Card Variants

Axis Indian Oil RuPay

RuPay

RuPay network card. Eligible cardholders can use the card for supported UPI credit-card transactions and QR-based merchant payments.

Card Benefits

Key benefits available with this card.

20 EDGE Reward Points per Rs. 100 at IndianOil

Earn 20 EDGE Reward Points for every Rs. 100 spent at eligible IndianOil outlets, equivalent to approximately 4% value-back when each EDGE Reward Point is valued at Rs. 0.20. Accelerated fuel rewards are subject to applicable limits.

5 EDGE Reward Points per Rs. 100 Online

Earn 5 EDGE Reward Points per Rs. 100 on eligible online shopping spends, equivalent to approximately 1% value-back. Accelerated online rewards are subject to applicable monthly limits.

1 EDGE Reward Point per Rs. 100 Other Spends

Earn 1 EDGE Reward Point per Rs. 100 on eligible other transactions. Rent, wallet, insurance, gold/jewellery, utilities and government-related transactions are excluded.

Welcome Fuel Cashback up to Rs. 250

Get cashback equivalent to the first eligible fuel transaction made within 30 days of card issuance, up to a maximum benefit of Rs. 250.

1% Fuel Surcharge Waiver

Get 1% fuel surcharge waiver on eligible fuel transactions between Rs. 400 and Rs. 4,000, capped at Rs. 50 per statement cycle.

RuPay UPI Payments

Use the RuPay credit card for eligible UPI transactions through supported UPI applications and QR-based merchant payments.

Annual Fee Waiver

Annual fee of Rs. 500 is waived when eligible annual spends reach Rs. 3.5 lakh or more, subject to applicable bank terms.

BookMyShow Movie Discount

Get 10% discount on eligible movie ticket bookings through BookMyShow, subject to applicable offer terms.

Mid-Week Travel & Shopping Offers

Enjoy selected Wednesday offers including discounts on flights and hotels through participating travel partners and additional offers on food, grocery and lifestyle merchants, subject to applicable campaign terms.

Goibibo & MakeMyTrip Offers

Access selected mid-week offers on flights and hotels through participating travel partners. Offer availability, discount percentage, caps and eligible transactions are subject to the active campaign terms.

Swiggy & Amazon Fresh Offers

Access selected mid-week discounts on eligible Swiggy and Amazon Fresh transactions, subject to the applicable campaign terms.

Tira Offer

Access selected Tira offers, including discounts up to the applicable campaign limit, subject to active offer terms.

Everyday Fuel Savings

Designed for customers who regularly purchase fuel at IndianOil outlets and want accelerated reward earning on eligible fuel transactions.

EDGE Rewards Redemption

EDGE Reward Points can be redeemed through the Axis EDGE Rewards ecosystem, subject to applicable redemption rules and catalogue availability.

Welcome / Free Offer

100% cashback equivalent to the first eligible fuel transaction, up to Rs. 250, when the first fuel transaction is made within 30 days of card issuance.

Value up to ₹250

Eligibility: First eligible fuel transaction within 30 days of card issuance.

Rewards & Points

How rewards are earned on this card.

Category	Reward	Details
IndianOil Fuel	20.0000 points / ₹100	20 EDGE Reward Points per Rs. 100 at eligible IndianOil outlets. Reward point value assumed as Rs. 0.20 based on the supplied reward valuation. Accelerated earning applies up to the applicable monthly eligible spend limit.
Online Shopping	5.0000 points / ₹100	5 EDGE Reward Points per Rs. 100 on eligible online shopping transactions. Accelerated earning applies up to the applicable monthly eligible spend limit.
Other Eligible Spends	1.0000 points / ₹100	1 EDGE Reward Point per Rs. 100 on eligible other spends.
Fuel Surcharge	1.0000%	1% fuel surcharge waiver on eligible fuel transactions from Rs. 400 to Rs. 4,000. Maximum waiver Rs. 50 per statement cycle.

Reward Point Value: ₹0.2000 per point

Reward Exclusions: Rent, wallet, insurance, gold/jewellery, utilities and government-related spends do not earn reward points. Accelerated fuel and online earning is subject to applicable monthly limits.

Reward Redemptions

Redemption Method	Point Value	Details
EDGE Rewards Catalogue	₹0.2	EDGE Reward Points can be redeemed through the Axis EDGE Rewards ecosystem, subject to applicable catalogue, redemption and transaction rules.

Airport Lounge Access

Complimentary domestic lounge visits.

Fuel Surcharge Waiver

Waiver Rate 1.0000%

Maximum Monthly Waiver ₹50

Current Offers & Promotions

Wednesday Flight & Hotel Savings

Active

Up to 15%

Selected Wednesday offers on flights and hotels through participating travel partners. Exact discount, cap and validity depend on the active campaign.

Wednesday Swiggy Offer

Active

10%

Selected Wednesday Swiggy offer. Exact minimum spend, maximum discount and validity depend on the active campaign.

Wednesday Amazon Fresh Offer

Active

10%

Selected Wednesday Amazon Fresh offer. Exact minimum spend, maximum discount and validity depend on the active campaign.

Wednesday Tira Offer

Active

10%

Maximum benefit: 1000.00

Selected Wednesday Tira offer, with discount up to the applicable campaign limit. Maximum benefit stated as Rs. 1,000 in the supplied information.

BookMyShow Movie Discount

Active

10%

10% discount on eligible movie ticket bookings through BookMyShow, subject to applicable offer terms.

Eligibility Criteria

Age

21 to 65 yrs

Employment

Salaried and Self-employed

Salaried Income

₹25,000 / month

Self-Employed

₹360,000 / year ITR

Credit Score

736+

New to Credit

Not applicable

Additional Eligibility Details

Age: 21 to 65 years — Applicant should be between 21 and 65 years of age.

Employment: Salaried / Self-employed — Available to both salaried and self-employed individuals.

Salaried Income: Minimum monthly income — Minimum monthly income of Rs. 25,000 for salaried applicants.

Self Employed Income: Minimum annual income / ITR — Minimum annual income / ITR of Rs. 3.6 lakh for self-employed applicants.

Credit Score: 736+ — Credit score of 736 or above based on the supplied eligibility information.

New to Credit: Not Allowed — New-to-credit applicants are not eligible based on the supplied criteria.

Important Eligibility Information

Age 21 to 65 years. Available to salaried and self-employed applicants. Minimum monthly salaried income Rs. 25,000. Minimum annual self-employed income Rs. 3.6 lakh. Minimum credit score stated as 736+. New-to-credit applicants are not eligible.

Income: Salaried applicants: minimum monthly income of Rs. 25,000. Self-employed applicants: minimum annual income/ITR of Rs. 3.6 lakh.

Employment: Salaried and Self-employed

Credit Score: Minimum credit score of 736+ as supplied for this card.

Documents Needed

PAN Card/Form 60; Aadhaar, Passport or utility bill as address proof; bank statements or salary slips; recent passport-size photograph.

Fees & Charges

Standard Joining Fee

₹500

Annual Fee

₹500 + GST

Fee Waiver: Annual fee waived on eligible annual spends of Rs. 3,50,000 or more. Waiver applies from the second year onwards.

Fee Terms: Joining Fee: Rs. 500 + applicable GST. Annual Fee: Rs. 500 + applicable GST from the second year onwards. Annual fee waiver on annual spends of Rs. 3.5 lakh.

Pros

Strong fuel rewards at IndianOil outlets; accelerated online shopping rewards; RuPay UPI compatibility; welcome fuel cashback; fuel surcharge waiver; movie and partner offers; annual fee waiver at eligible spending.

Cons

Accelerated reward categories are capped; fuel surcharge waiver is limited to Rs. 50 per statement cycle; rewards exclusions apply; new-to-credit applicants are not eligible; benefits depend on eligible transactions and applicable terms.

Available Card Variants