Axis IOCL Rupay Credit Card -

Axis IOCL Rupay Credit Card

(4.5)

The Axis Bank IOCL RuPay Credit Card is a great option for anyone who regularly spends on fuel and wants to save money every month. Whether you drive to work every day or enjoy road trips, this card helps you earn rewards and cashback on your fuel purchases. It’s specially designed for people who fuel up at IndianOil petrol pumps, giving you up to 4% value back and a 1% fuel surcharge waiver, which means real savings on every refill.

But that’s not all. This card also gives you reward points on other everyday purchases like shopping, dining, and online payments. You can later redeem these points for fuel, gift vouchers, or other exciting products. Plus, if you spend just Rs. 50,000 a year, the annual fee is waived, making it a smart and affordable credit card option.

Being a RuPay card, it also comes with extra benefits like airport lounge access, merchant discounts, and is UPI-enabled for smooth, contactless transactions. Overall, this card combines savings, convenience, and rewards in one handy package.

If you’re looking for a credit card that gives you real benefits on your daily fuel and lifestyle spends, the Axis IOCL RuPay Credit Card is definitely worth considering.

About Axis IOCL Rupay Credit Card

This card gives 100% Cashback (upto Rs 250) on all IOCL fuel spends made within 30 days of Card Activation
Earn upto 4% value back on fuel spends made at Indian Oil outlets (Rs 100 = 20 Reward Points, max. 1000 Reward Points per month)
Earn Reward Points on UPI Payments by linking the card to UPI
Earn 1% value back on online shopping spends

Other features of the card

10% Instant Discount on movie tickets via BookMyShow website
Save upto 15% on dining bills at a wide number of partner restaurants via Eazy Diner
1% Fuel Surcharge Waiver

Fees & Charges

Joining Fees: Rs 500 + GST
Annual fees: Rs 500 + GST

Pros

1 Great Fuel Savings
You get up to 4% value back when you buy fuel at IndianOil petrol pumps. That means the more you drive, the more you save.

2 Fuel Surcharge Waiver
You don’t have to pay the extra 1% surcharge on fuel purchases at IOCL pumps. This adds up to nice savings over time.

3 Reward Points on All Spends
You earn points not only on fuel but also on regular purchases like shopping, dining, and online payments.

4 Annual Fee Waiver
If you spend Rs. 50,000 in a year, you don’t have to pay the annual fee for the next year. So the card can be free if you use it regularly.

5 RuPay Benefits
You get access to RuPay Platinum features, like exclusive shopping discounts, lifestyle deals, and even lounge access.

6 UPI Enabled
This card works with UPI apps like BHIM, PhonePe, and Paytm, making payments faster and safer.

7 Accepted Nationwide
You can use this card almost anywhere in India – at shops, petrol pumps, restaurants, and websites.

Cons

1 Fuel Benefits Only at IndianOil
The fuel rewards work best only at IndianOil petrol pumps, not at HP or Bharat Petroleum.

2 Lower Rewards on Other Spends
You earn fewer points on non-fuel purchases compared to what you get on fuel.

3 Annual Fee If Usage Is Low
If you don’t spend Rs. 50,000 a year, you’ll have to pay the annual fee of around Rs. 500 + GST.

4 Limited Lounge Access
The free airport lounge access is limited and only available at a few domestic airports in India.

Conclusion

The Axis IOCL RuPay Credit Card is a simple, smart, and money-saving choice for anyone who uses their vehicle regularly. With good rewards on fuel, zero annual fees with minimum usage, and extra benefits on shopping and travel, it’s one of the best entry-level credit cards in India.

Eligibility Criteria

Employment Status: Salaried or Self-employed
Income: Rs 15,000 per month (Salaried)
Income: Rs 30,000 per month (self-employed)
Age: 21-65 years
Cibil Score: 735+
New to Credit not allowed

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