{"id":83645,"date":"2025-12-23T17:58:36","date_gmt":"2025-12-23T12:28:36","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=83645"},"modified":"2025-12-23T17:59:33","modified_gmt":"2025-12-23T12:29:33","slug":"axis-bank-indianoil-credit-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/axis-bank-indianoil-credit-card\/","title":{"rendered":"Everything to Know About the Axis Bank IndianOil Credit Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\">Key Takeaways<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Axis Bank IndianOil credit card offers up to 4% value back on IOCL fuel spends.<\/li>\n\n\n\n<li>Enjoy a 1% fuel surcharge waiver within defined transaction limits.<\/li>\n\n\n\n<li>Earn EDGE Reward points on fuel, shopping and eligible spends.<\/li>\n\n\n\n<li>Annual fee waiver available on spending \u20b93.5 lakh in a year.<\/li>\n\n\n\n<li>Best suited for daily commuters and frequent highway travellers.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The Axis Bank IndianOil credit card is a co-branded card designed for individuals who regularly spend on fuel transactions at IndianOil outlets. This credit card provides attractive rewards, cashback benefits and additional savings on fuel-related expenses. Read on to know more about it.<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#axis-bank-indian-oil-credit-card-benefits\">Axis Bank IndianOil Credit Card Benefits\u00a0<\/a><\/li><li><a href=\"#edge-rewards-program-of-axis-bank-indian-oil-credit-card\">EDGE Rewards Program of Axis Bank IndianOil Credit Card<\/a><\/li><li><a href=\"#other-benefits-of-the-axis-bank-indian-oil-card\">Other Benefits of the Axis Bank IndianOil Card<\/a><\/li><li><a href=\"#fees-and-charges-of-the-axis-bank-indian-oil-credit-card\">Fees and Charges of the Axis Bank IndianOil Credit Card<\/a><\/li><li><a href=\"#eligibility-criteria-of-the-axis-bank-indian-oil-credit-card\">Eligibility Criteria of the Axis Bank IndianOil Credit Card<\/a><\/li><li><a href=\"#required-documents-for-axis-bank-indian-oil-card\">Required Documents for Axis Bank IndianOil Card<\/a><\/li><li><a href=\"#who-can-benefit-the-most-from-axis-bank-indian-oil-credit-card\">Who Can Benefit the Most from Axis Bank IndianOil Credit Card?<\/a><\/li><li><a href=\"#conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"axis-bank-indian-oil-credit-card-benefits\"><strong>Axis Bank IndianOil Credit Card Benefits&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Axis-Bank-IndianOil-Benefits.jpeg\" alt=\"Axis Bank IndianOil Credit Card Benefits\" class=\"wp-image-83647\" style=\"width:840px;height:auto\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Axis-Bank-IndianOil-Benefits.jpeg 800w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Axis-Bank-IndianOil-Benefits-300x200.jpeg 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Axis-Bank-IndianOil-Benefits-150x100.jpeg 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2025\/12\/Axis-Bank-IndianOil-Benefits-768x512.jpeg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Value Back Perks<\/strong><\/li>\n<\/ol>\n\n\n\n<p>Get 4% value back on fuel transactions by earning 20 reward points for every \u20b9100 spent at the fuel outlets of IOCL across India. However, there are a few terms and conditions associated with it:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>To get the 4% value back, the settlement amount should be between \u20b9400 and \u20b94,000.&nbsp;<\/li>\n\n\n\n<li>The maximum eligible spend for every calendar month is \u20b95,000.<\/li>\n\n\n\n<li>Fuel surcharge is subject to 18% GST applicability.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Fuel Surcharge Waiver\u00a0<\/strong><\/li>\n<\/ol>\n\n\n\n<p>The Axis Bank IndianOil credit card grants you a 1% fuel surcharge waiver. The following terms and conditions are applicable:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>To avail this offer, you need to transact at any IOCL outlet.&nbsp;<\/li>\n\n\n\n<li>The settlement amount needs to be between \u20b9400 and \u20b94,000.<\/li>\n\n\n\n<li>A maximum waiver of \u20b950 is allowed per statement cycle.&nbsp;<\/li>\n\n\n\n<li>This offer is applicable only for the fuel MCC category.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"edge-rewards-program-of-axis-bank-indian-oil-credit-card\"><strong>EDGE Rewards Program of Axis Bank IndianOil Credit Card<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You can get up to 1,250 EDGE reward points on your first fuel transactions with your IndianOil Axis Bank credit card within the first 30 days post-card issuance.&nbsp;<\/li>\n\n\n\n<li>Get 1 EDGE Reward point on every \u20b9100 spent with this credit card to redeem your points. Make sure to check the EDGE loyalty rewards catalogue to be able to maximise your value.<\/li>\n<\/ul>\n\n\n\n<p><strong>Note<\/strong>: Certain spend categories are not eligible for earning EDGE Rewards, including education, government institutions, utilities, rent, wallets, jewellery or gold and insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"other-benefits-of-the-axis-bank-indian-oil-card\"><strong>Other Benefits of the Axis Bank IndianOil Card<\/strong><\/h2>\n\n\n\n<p>Here are a few other Axis Bank IndianOil credit card benefits:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get a 1% value back on online shopping spends by earning 5 reward points for every \u20b9100 spent. To get this offer, you need to transact between \u20b9100 and \u20b95,000. The maximum eligible spend every month is&nbsp; \u20b95,000.<\/li>\n\n\n\n<li>You can avail a spend-based waiver in a card anniversary year. To be eligible, you have to cross the minimum spend of \u20b93,50,000 to get an annual fee waiver. Do note that wallet load transactions and rent transactions will not be considered for a waiver.&nbsp;<\/li>\n\n\n\n<li>Get 15% off up to \u20b9500 on <a href=\"https:\/\/www.eazydiner.com\/bengaluru\" target=\"_blank\" rel=\"noopener\">Eazy Diner <\/a>when you transact with your Axis Bank IndianOil credit card.<\/li>\n\n\n\n<li>Get offers every Wednesday as a part of the &#8216;Wednesday Delight&#8217; program. You can get an instant savings of 15% on hotel and flight bookings via MakeMyTrip and Goibibo, 10% off on Swiggy orders and 10% off (up to \u20b91,000 on Tira).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"fees-and-charges-of-the-axis-bank-indian-oil-credit-card\"><strong>Fees and Charges of the Axis Bank IndianOil Credit Card<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Charges<\/strong><\/td><td><strong>Amount<\/strong><\/td><\/tr><tr><td>Joining Fee&nbsp;<\/td><td>\u20b9500<\/td><\/tr><tr><td>Annual Fee (2nd Year Onwards)<\/td><td>\u20b9500<\/td><\/tr><tr><td>Cash Payment Fee&nbsp;<\/td><td>\u20b9175<\/td><\/tr><tr><td>Finance Charges&nbsp;<\/td><td>3.75% per month<\/td><\/tr><tr><td>Cash Withdrawal Fees<\/td><td>2.5% (minimum \u20b9500) of the cash amount<\/td><\/tr><tr><td>Over Limit Penalty&nbsp;<\/td><td>2.5% of over limit amount (minimum \u20b9500)<\/td><\/tr><tr><td>Foreign Currency Transaction Fee&nbsp;<\/td><td>3.5% of transaction value<\/td><\/tr><tr><td>Reward Redemption Fee&nbsp;<\/td><td>\u20b999 per transaction on EDGE Rewards<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"eligibility-criteria-of-the-axis-bank-indian-oil-credit-card\"><strong>Eligibility Criteria of the Axis Bank IndianOil Credit Card<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The primary cardholder should be between 18 and 70 years of age.<\/li>\n\n\n\n<li>Any add-on cardholder should be over 15 years of age.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"required-documents-for-axis-bank-indian-oil-card\"><strong>Required Documents for Axis Bank IndianOil Card<\/strong><\/h2>\n\n\n\n<p>You will need the following documents during the application:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Identity Proof<\/strong>: Aadhaar Card, PAN Card, Voter ID<\/li>\n\n\n\n<li><strong>Address Proof<\/strong>: Passport, Utility Bill (electricity, water, gas), Rental Agreement<\/li>\n\n\n\n<li><strong>Income Proof<\/strong>: Latest 3 months\u2019 salary slips (salaried), ITR or audited financials (self-employed), bank statements<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-can-benefit-the-most-from-axis-bank-indian-oil-credit-card\"><strong>Who Can Benefit the Most from Axis Bank IndianOil Credit Card?<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Daily Commuters: <\/strong>If you ride a bike or car daily for office travel, the 4% value back on IOCL fuel can help you save a significant amount monthly.<\/li>\n\n\n\n<li><strong>Highway Travellers: <\/strong>Individuals who travel frequently between cities and refuel at IOCL pumps can maximise savings.<\/li>\n\n\n\n<li><strong>Budget-Conscious Spenders: <\/strong>If you want a low-fee card with guaranteed monthly savings and value-back benefits, this card fits well.<\/li>\n<\/ol>\n\n\n\n<p>\ud83d\udca1For your bill payments and tracking business transactions, use<a href=\"https:\/\/piceapp.com\/\"> the PICE App<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion<\/h2>\n\n\n\n<p>The Axis Bank IndianOil Credit Card is ideal for frequent fuel spenders seeking steady savings. With value-back on IOCL fuel, surcharge waivers, EDGE Rewards and lifestyle offers, the Axis Bank IndianOil credit card combines affordability, convenience and everyday benefits for commuters and budget-focused users.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1766492311507\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the main benefit of the Axis Bank IndianOil credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It provides up to 4% value back on fuel purchases at IOCL outlets.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766492334521\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is there a fuel surcharge waiver on this card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, it offers a 1% fuel surcharge waiver on eligible IOCL transactions.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766492344722\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">What is the annual fee for the Axis Bank IndianOil credit card?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>The annual fee is \u20b9500, which can be waived on sufficient annual spends.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766492359171\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Are utility and rent payments eligible for rewards?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, categories like utilities, rent and insurance are excluded.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1766492371482\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \">Is the Axis Bank IndianOil credit card good for online shopping?<\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, it offers 1% value back on eligible online shopping spends.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The Axis Bank IndianOil credit card is a co-branded card designed for individuals who regularly spend on fuel transactions at IndianOil outlets. This credit card provides attractive rewards, cashback benefits and additional savings on fuel-related expenses. Read on to know more about it. Axis Bank IndianOil Credit Card Benefits&nbsp; Get 4% value back [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":83646,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-83645","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83645","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=83645"}],"version-history":[{"count":2,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83645\/revisions"}],"predecessor-version":[{"id":83658,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/83645\/revisions\/83658"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/83646"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=83645"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=83645"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=83645"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}