Summary
IndianOil Axis Bank RuPay Credit Card is a very convenient finance option, especially for individuals who spend large amounts of fuel and desire to earn reward points on their regular spends. The co-brand card provides differential benefits based on differential needs. The primary advantage is the quick reward points on fuel spends at IndianOil fuel stations. The points earned on one of the cards can be redeemed in the form of cashback or fuel vouchers in an attempt to cut down fuel costs. Points are also earned on all other purchases made with the Credit card, so it is a good option for routine shopping.
The other recognisable feature is the contactless payment facility, which provides quick and secure payments. The card also provides excellent discounts on dining, cinema, and shopping, providing card members with a series of offers for improved lifestyle. There is no annual fee for the first year, further value added to the overall package.
Surcharge rebate on fuel spends and cashback on a rotational basis on various categories make it a value-for-money proposition for high-value spends on fuel, bills, or internet spends. The fact that the card is on the RuPay network guarantees that the card has wide acceptance in India, thereby facilitating easy usage on a day-to-day basis.
Introduction
IndianOil Axis Bank RuPay Credit Card is one of the most desired money products that has been designed to serve the interests of fuel burners and frequent shoppers. The credit card delivers the best of both, especially for frequent customers of IndianOil fuel pumps. It is a RuPay network card, hence ensuring universal acceptance in India and providing additional benefits and offers.
One of the most significant strengths of the card is its fuel rewards, wherein the cardholders enjoy the benefit of earning points on fuel spends and subsequently redeeming those points as cashback or fuel vouchers. Apart from that, it has a complete set of other benefits such as restaurant discounts, movie ticket vouchers, and cashback on specific categories.
Whether a commuter on a daily trip, an out-to-eat fan, or simply an individual looking to save money on everyday expenses, this card can add value to one’s life. The application process for this card is simple, and many find it within reach, making it a great option for both credit card newcomers and veterans in search of a reward-rich experience.
Here in this article, we will be talking about the advantages and benefits of the IndianOil Axis Bank RuPay Credit Card and the step-by-step application process.
What is the IndianOil Axis Bank RuPay Credit Card?
The IndianOil Axis RuPay Credit Card is a special credit card that is most suitable for people who purchase a lot of fuel or enjoy dining and shopping. It is a partnership of IndianOil, Axis Bank, and the RuPay network and can be easily accepted at all corners of India.
The card allows customers to earn reward points on petrol, which can be redeemed for cashback or fuel vouchers, and also avails discounts on cinema tickets, meals, and general purchases. This card is suitable for those wanting to save on their usual expenditures while enjoying rewards and benefits as well.
How is the design of the IndianOil Axis Bank RuPay Credit Card?
IndianOil Axis RuPay Credit Card looks upscale and modern as a card to showcase the simplicity and functionality of this new-generation product. On the front face, it shows prominently displayed logos of IndianOil, Axis Bank, and RuPay symbolizing these three’s collaboration.
The color combination and design are best for turning them into something visually pleasant as well as easy to handle, giving the user a great experience.
Additionally, the card has other security measures such as a contactless payment feature, which allows quick and safe transactions. Invisible card numbers contribute to security and allow it to have a slender appearance. IndianOil Axis Bank RuPay Credit Card design is a mixture of form and function and therefore is a convenient and attractive option for customers.
What are the benefits of the IndianOil Axis Bank RuPay Credit Card?
Some of the important benefits are listed below:
- Fuel Benefits: Cardmembers gain quicker reward points on fuel spends at IndianOil fuel pumps. The points can be availed in terms of free fuel or can be redeemed for cashback.
- Reward Points: You get reward points on all your transactions, not only fuel. These can be exchanged for varied rewards, e.g., shopping vouchers, merchandise, etc.
- Contactless Payments: The card also comes equipped with a contactless payment feature, where payment is made convenient and secure using a tap.
- Movie & Dining Discounts: The card gives discounts and exclusive offers on cinema tickets and restaurants of dining partners, making the card ideal for dining out and entertainment.
- No First Year Annual Fee: There is no first year annual fee for the card, which implies that customers can enjoy the benefits without paying any additional amount.
- Easy Acceptance in RuPay Network: Being a RuPay card, it can be accepted everywhere in India, and hence, customers from anywhere can easily use it.
- Waiver of Fuel Surcharge: Waiver of fuel surcharge on the purchase made from IndianOil retail outlets, and customers can save more on fuel.
- Cashback Offer: Regular cashback reward on various categories like online transactions and bill payments, provided by the card.
What are the fees for the IndianOil Axis Bank RuPay Credit Card?
Here is a simple breakdown of the IndianOil Axis RuPay Credit Card fees.
| Joining Fee | Rs. 500 + GST |
| Annual Fee | Rs. 500 + GST |
| Add-on Card Fee | No charges for additional cards for family members. |
| Finance Charges | 3.75% per month (55.55% annually) on the outstanding balance if you don’t pay your bill in full. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an IndianOil Axis Bank RuPay Credit Card?
1. Age Requirement:
- You should be between 18 to 65 years of age.
2. Income Requirement:
- Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have a valid address proof.
What documents are required to get an IndianOil Axis Bank RuPay Credit Card?
The documents that you will have to submit to get an IndianOil Axis RuPay Credit Card are as below:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the IndianOil Axis Bank RuPay Credit Card be used?
Here is the list of places where you can use it:
- With the IndianOil Axis RuPay Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your IndianOil Axis Bank RuPay Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The IndianOil Axis Bank RuPay Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the IndianOil Axis Bank RuPay Credit Card?
The credit amount you can spend is what you are provided with an IndianOil Axis RuPay Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.
How do you apply for an IndianOil Axis Bank RuPay Credit Card?
Apply it through both these modes:
Online Application Process
- Visit the official website of the Axis Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- Just hover your cursor on the IndianOil Axis Bank RuPay Credit Card, followed by selecting ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process
- You can walk into the nearest Axis Bank branch to apply for the IndianOil Axis RuPay Credit Card.
- Request for the credit card application form of the IndianOil Axis Bank RuPay Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas photograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the IndianOil Axis Bank RuPay Credit Card by post at the same postal address.
- You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.
Would getting an IndianOil Axis Bank RuPay Credit Card in 2025 be right?
Yes, getting an IndianOil Axis RuPay Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.
Axis Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit.
Conclusion
In short, the IndianOil Axis RuPay Credit Card is a great financial tool for people who have regular fuel spend, in addition to those who want rewards on their everyday spends. As a card with a specific focus on fuel rewards, card members can save significant amounts on fuel spend at IndianOil stations, as well as redeem reward points in terms of cashback or fuel vouchers. Other than the above factors, the card provides an array of benefits ranging from discounts on restaurants, movie theatres, and retail prices, and therefore it entices individuals who enjoy saving on prices in many areas.
One of the most prominent features of this card is its contactless payment, which offers fast and secure transactions, allowing users to pay by a simple tap. With the added advantage of no annual fees for the first year, fuel surcharge rebates, and cashback rewards, this card is a value for money. The wide acceptance of the RuPay network allows it to be used anywhere in India, enhancing the cardholder’s experience.
Frequently Asked Questions (FAQ’s)
Ans: Yes, with the IndianOil Axis Bank RuPay Credit Card, you can pay for large purchases back in simple EMIs. This makes it easy for you to budget and pay in simple, manageable installments.
Ans: The IndianOil Axis Bank RuPay Credit Card gives you a waiver of fuel surcharge at some fuel stations. This implies that you will not be paying more when you take your vehicle to some fuel stations.
Ans: Yes, the card can be easily managed via the Axis Bank mobile banking app or internet banking. You have control over your spending, bill payments, reward points, and even blocking or renewing the card as and when required.
Ans: Yes, you can use the IndianOil Axis Bank RuPay Credit Card outside India, wherever credit cards are accepted. A foreign currency markup fee may be charged for international transactions.
Ans: If you fail to pay your IndianOil Axis Bank RuPay Credit Card bill, you can be levied a late payment charge, and your credit record will suffer as well. Pay your bill on time to prevent charges and preserve your credit record.
