Axis IOCL Credit Card
Axis · Fuel · Visa
Annual Fee
₹1,000
Fee Waiver
₹1L annual spend
Lounge Access
8/year
Best Rate
4%
Network
Visa
⚠️ Data being verified
Reward Rates by Category
⛽Fuel
4%
🍽️Dining
0.5%
✈️Travel
0.5%
🛒Online Shopping
0.5%
🥦Groceries
0.5%
💡Utilities
0.5%
🎬Entertainment
0.5%
🛍️Shopping
0.5%
How Points Work
4% at IOCL (cap ₹15K fuel/mo), 0.5% on other · 1% surcharge waiver · EDGE Miles
🚀 Boosted Rates (Partners & SmartBuy)
IOCL fuel stations6 EDGE Miles/₹150 (~4%)
Grocery spends2 EDGE Miles/₹150 (up to ₹5K/mo)
Zomato30% discount (up to ₹150, 2x/month)
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
4% at IOCL stations1% fuel surcharge waiver8 lounge visits/yrGrocery bonus
PROS
✅ Best Axis fuel card
✅ Unlimited fuel surcharge waiver at IOCL
✅ Decent lounge access
CONS
⚠️ ₹1,000 fee
⚠️ Fuel cap at ₹15K/month
⚠️ Low non-fuel rate (0.5%)
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