Fuel
Axis Indian Oil Credit Card
Axis 6.2
CardTrail Score
Decent
out of 10
Annual Fee
₹500
Spend ₹50K/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 ₹50K/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
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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+
CardTrail Score
Best For
fuel beginner
