Axis Bank Aura vs IndianOil Axis Bank
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Axis Bank Aura Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.0/10 vs 6.3/10.
| Feature | Axis Bank Aura | IndianOil Axis Bank |
|---|---|---|
| CardTrail Score | 7.0/10 | 6.3/10 |
| Annual Fee | ₹749 | ₹500 |
| Base Reward Rate | 1% | 0.2% |
| Max Reward Rate | 5% | 4% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Axis Bank Aura
- You can meet the fee waiver condition: Spend ₹2L/year
- You want higher rewards — up to 5% vs 4%
- Your primary spend is: general, rewards, lounge
When to Choose IndianOil Axis Bank
- You can meet the fee waiver condition: Spend Rs 3.5L/year
- Your primary spend is: fuel, indianoil
Annual Fee Value Analysis
To break even on Axis Bank Aura's ₹749 fee at 1% rewards, spend ₹6,242/month.
To break even on IndianOil Axis Bank's ₹500 fee at 0.2% rewards, spend ₹20,833/month.