IndianOil Axis Bank Credit Card
Budget-conscious IndianOil customers who also want a RuPay card for merchant UPI payments.
Main trade-off
Rewards outside IndianOil fuel spend are minimal; keep this strictly as a fuel-station card.
Direct comparison
Compare 2 credit cards
Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | Axis Bank IndianOil Axis Bank Credit Card | ICICI Bank ICICI Bank HPCL Super Saver Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | ICICI Bank |
| Network | RuPay | Visa + RuPay |
| Annual fee | ₹500 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹3,50,000 annual spending | At ₹1,50,000 annual spending |
| Base reward rate | 0.2% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | Excluded | 5% · Utility and telecom rewards |
| Groceries & essentials | 0.2% · Other eligible EDGE rewards | 5% · Grocery rewards |
| Fuel & commute | 0.2% · IndianOil fuel rewards | 4% · HPCL fuel cashback |
| Online shopping | 1% · Online shopping rewards | 0.5% · Other domestic and international rewards |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | HPCL fuel cashback: ₹200/month |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹20,000/month salaried · ₹20,000/month self-employed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Budget-conscious IndianOil customers who also want a RuPay card for merchant UPI payments. | Budget-conscious households that consistently refuel at HPCL and spend on groceries and utility bills. |
| Main trade-off | Rewards outside IndianOil fuel spend are minimal; keep this strictly as a fuel-station card. | The 400-point essentials cap is shared per statement cycle. Movie access needs ₹25,000 and lounge access ₹75,000 in the preceding quarter; waived annual fee removes roadside assistance eligibility. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Your spending
Which card gives you more value?
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
Monthly total
₹0
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
₹0/mo
Merchant-specific bonuses are not assumed for broad categories. The calculation uses the verified general eligible rate unless a qualifying merchant is explicitly supplied in a detailed GainFair flow.
Add at least one spending amount to calculate your comparison.