IndianOil Axis Bank Premium vs Indian Oil HDFC
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Indian Oil HDFC Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.2/10 vs 6.7/10.
| Feature | IndianOil Axis Bank Premium | Indian Oil HDFC |
|---|---|---|
| CardTrail Score | 6.7/10 | 7.2/10 |
| Annual Fee | ₹500 | ₹500 |
| Base Reward Rate | 0.5% | 0.67% |
| Max Reward Rate | 4% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | RuPay | Visa |
When to Choose IndianOil Axis Bank Premium
- You can meet the fee waiver condition: Spend ₹3.5L/year
- Your primary spend is: fuel, beginner
When to Choose Indian Oil HDFC
- You can meet the fee waiver condition: Spend ₹50K/year
- You want higher rewards — up to 5% vs 4%
- Your primary spend is: fuel, cashback
Annual Fee Value Analysis
To break even on IndianOil Axis Bank Premium's ₹500 fee at 0.5% rewards, spend ₹8,333/month.
To break even on Indian Oil HDFC's ₹500 fee at 0.67% rewards, spend ₹6,219/month.