Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Annual fee₹500
Joining fee ₹500
Fee waiver₹50,000 / year
Waived on ₹50,000 annual spend
Best return1%
Fuel spend
Your spend, your value
Will this card earn its keep for you?
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
₹5K30,000/mo₹5L
Est. annual value+₹360after annual fee
Value covers the ₹500 annual fee
Fee waiver estimator
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Reward rate breakdown
Open the category chart when two cards are close and you need the exact spend shape.
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Reward rate by category
Earns hardest on fuel — 1% vs 0.1% base.
Default redemption value, before fees, caps and exclusions. Points and NeuCoins may require eligible redemption channels.
Fuelbest earn
1%
Lifestyle
0.25%
Basedefault
0.1%
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Live offersNone right now
Offer availability changes often.
Best redemptionNot highlighted
Use the optimizer below for redemption math.
MilestonesNo milestone edge
No standout milestone boost highlighted.
Redemption tools
Use these only if your shortlist is down to cards where redemption value can change the decision.
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Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
Rows mapped20 rows
20 domestic • 0 international policy count
Access rule₹50,000 in previous 3 months
- Source file: Axis Bank domestic lounge program PDF (Set B).
- Domestic lounge access is linked to card-wise quarterly/yearly limits.
- Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.
Verify latest spend criteria and guest access with issuer before travel.
Coverage sourceIssuer mapped
Mapped from issuer lounge dataset + card policy signals
Full lounge eligibility checklist
Open this to validate spend thresholds, program fit, and any conditions that can block access.
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Lounge eligibility checklist
Mapped from issuer lounge dataset + card policy signals
Lounge Spend Tracker
Spend threshold not met
Check the spend threshold for IndianOil Axis Bank Credit Card using spend in the issuer’s qualifying previous 3 months.
₹0 spent₹50,000 target
Threshold check only. Confirm qualifying dates, remaining visits, card variant and airport with your issuer. Meeting this target does not guarantee lounge admission.
Policy signal used: - Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file
Spend threshold
Base spend criteria: INR 50,000 in previous 3 calendar months; waived for Reserve/Burgundy/Olympus/Primus/Horizon/Atlas as per source file.
Quarter / cycle rule
Domestic lounge access is linked to card-wise quarterly/yearly limits.
Guest access
Guest access policy is not explicitly listed in current data.
Priority Pass
Priority Pass benefit is not listed for this card.
Airport-wise lounge locations
Open the full location map only if this card passes the lounge rule check above.
20 rows
Lounge locations
20 mapped rows available on demand
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Decision Details
Fees, exclusions and eligibility
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Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
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Truth Data Snapshot
Issuer-linked details for offers, redemption, lounges, and reliability status.
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Offer Truth
Joining fee₹500
Annual fee₹500
Waiver threshold₹50,000
Cap typenone
Cap resetnone
Last verified2026-02-12
Redemption Truth
Cash value/point₹0.25
Travel value/point₹0.25
Transfer partners0
Min redemptionNot listed
Expiry policyNot listed
Last verified2026-02-12
Lounge Truth
NetworkRuPay
Domestic count20
International count0
Quarterly limitNot listed
Airport-terminal rows20
Policy check2026-02-10
Reliability + Outcomes
Verification statusstale
Freshness days232
Source conflicts0
Applied reports0
Approval reports0
Frequently asked questions
Short answers for the usual apply, fee, reward, and lounge questions.
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Is IndianOil Axis Bank Credit Card lifetime free?
It has an annual fee of ₹500. Waived on ₹50,000 annual spend
What rewards does IndianOil Axis Bank Credit Card offer?
Fuel-focused rewards card built for IndianOil spending with surcharge waiver.
Does IndianOil Axis Bank Credit Card include lounge access?
IndianOil Axis Bank Credit Card lists lounge access with 20 mapped lounge rows (20 domestic, 0 international policy count).
Who should consider IndianOil Axis Bank Credit Card?
Drivers with consistent monthly fuel spends
Sources and verification
Last verification date and how this page was assembled.
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Sources & Verification
Latest recorded check: 12 Feb 2026
Data Method: Imported issuer material and editorial research. Check dates can differ across fee, reward and lounge records; a timestamp alone does not guarantee every field is current.
