Axis Indian Oil Premium Credit Card
Axis Bank
Last updated: Nov 13, 2025
₹499
₹499
3.5%
2 visits/yr
Contents
Axis Indian Oil Premium Credit Card delivers high fuel savings, accelerated rewards on daily expenses, and exclusive offers for Indian Oil users. Enjoy complimentary lounge access, quick EMI options, and robust security features. Whether commuting or shopping, maximize every rupee earned with premium Axis Bank benefits.
Features of Axis Indian Oil Premium Credit Card which makes it unique
Fuel Saver Program
Exclusive additional fuel savings at Indian Oil outlets
Earn accelerated savings per transaction
Over 100x base reward on fuel
Spend Analyzer
Track your spending patterns within mobile app
Improved spending insight
Enhanced AI analytics
Rewards Structure of Axis Indian Oil Premium Credit Card
Fuel Spends
acceleratedAt Indian Oil outlets
Highest rewards on fuel transactions
Online Spends
baseAll online purchases
Accelerated rewards for digital spends
Other Spends
baseAll remaining merchants
Standard reward rate
Milestones of Axis Indian Oil Premium Credit Card
Annual Milestone
₹50,000 : Annual fee waiver
Quarterly Bonus
₹10,000 per quarter : Extra 500 reward points
Fees & Charges of Axis Indian Oil Premium Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Waived on annual spend of ₹50,000.
Fee Explanation Standard Axis Bank charges apply for unpaid dues.
Lounge Access Benefits with Axis Indian Oil Premium Credit Card
domestic Lounges
silverVisits per year: 2
Guest access: No
For primary cardholder; select lounges
Insurance Coverage with Axis Indian Oil Premium Credit Card
Lost Card Liability
Up to card limitReport loss immediately
Additional Features of Axis Indian Oil Premium Credit Card
Contactless Payments
Tap-and-pay enabled for quick transactions
EMI Conversion
Instant EMI facility on high-value purchases
Available at select merchants
Welcome Bonus with Axis Indian Oil Premium Credit Card
Welcome Bonus: 2,400 Reward Points
Bonus Conditions: Valid for new cardholders; spend ₹2,000 in 30 days.
Application Process for Axis Indian Oil Premium Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online through Axis Bank's official website or mobile app
Upload required KYC documents
Receive a verification call
Card dispatched within 7 business days
Required Documents for Axis Indian Oil Premium Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
all applicantsAccepted documents:
Axis Indian Oil Premium Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at all major merchants in India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Axis Indian Oil Premium Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹15,000
Minimum annual income
Self-Employed Applicants
₹15,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar mandatory.
How Approval Is Decided
- Minimum monthly income of ₹15,000
- Must be an Indian resident
- Credit score of 700 or above
Pros of Axis Indian Oil Premium Credit Card
- Outstanding fuel rewards
- Quick online approval
- Lounge access benefit
- Annual fee waiver on moderate spend
- Simple contactless transactions
Cons of Axis Indian Oil Premium Credit Card
- Exclusive fuel rewards only at Indian Oil
- No international lounge access
- No partner airline/hotel transfer
Frequently Asked Questions about Axis Indian Oil Premium Credit Card
Is there a joining fee for the Axis Indian Oil Premium Credit Card?
Yes, ₹499 plus taxes as a one-time joining fee.
How can the annual fee be waived?
Spend ₹50,000 in a year to get the next year's annual fee waived.
What are the welcome rewards with this card?
New cardholders can earn up to 2,400 points by spending ₹2,000 in the first 30 days.
Can I use the card for contactless payments?
Yes, the card supports tap-and-pay for safe and quick transactions.
Are fuel rewards available at all petrol stations?
No, maximum rewards apply only to Indian Oil Corporation petrol pumps.
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