cards / credit / axis bank / axis-indianoil-premium-credit-card
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§ BENEFITS
6X EDGE Miles on Fuel
Earn 6X EDGE miles on all fuel purchases at IndianOil outlets
6X miles
2X EDGE Miles on Grocery
Earn 2X EDGE miles on all grocery and supermarket spends
2X miles
1X EDGE Miles on Other Spends
Earn 1X EDGE miles on all other retail transactions
1X miles
Domestic Lounge Access
4 complimentary domestic airport lounge visits per quarter
4 visits/quarter
Fuel Surcharge Waiver
1% fuel surcharge waiver at IndianOil pumps
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹3,60,000
- Min monthly salary
- ₹30,000
- Age
- 21 – 65
- Min credit score
- 680
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹1,000
- Annual fee
- ₹1,000
- APR (monthly)
- 3.60% p.m.
- APR (annual)
- 43.20% p.a.
- Late payment fee
- ₹1,000
- Over-limit fee
- ₹500
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding GST at 18%
† Excluding GST at 18%
† per cycle, charged to statement
† or ₹250, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹200
- Max txn
- ₹5,000
- Max waiver / cycle
- ₹500
- Networks
- IndianOil
§ LIMITS
- ATM / day
- ₹40,000
- POS + e-com / day
- ₹3,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹50,00,000
- Permanent disability
- ₹50,00,000
- Air accident
- —
- Travel insurance
- —
- Baggage
- —
- Lost-card liability
- ₹3,00,000
- Purchase protection
- —
† within 24 h of loss
§ REWARDS
- Programme
- Axis EDGE Miles
- Earn rate
- 1X–6X EDGE miles
- Point value
- ₹0.5
- Effective cashback
- 0.50%
- Min redemption
- 500 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- Per quarter
- International
- Not available
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,500 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with Axis Bank and earns no commission on applications.