Axis Indian Oil Rupay Credit Card

About Credit Card

The Axis Indian Oil RuPay Credit Card is an entry-level fuel-focused card from Axis Bank in partnership with Indian Oil, ideal for everyday fuel and online spends in India.

Key Rewards

Earn 20 EDGE Reward Points per ₹100 on fuel at IOCL outlets (transactions ₹400–₹4,000), equating to 4% value back.
Get 5 EDGE Reward Points per ₹100 on online shopping (up to ₹5,000 per transaction).
1 EDGE Reward Point per ₹100 on other eligible spends (excludes rent, wallets, insurance, etc.).

Welcome Offer

100% value back as up to 1,250 EDGE Reward Points on the first IOCL fuel transaction within 30 days of issuance.

Discounts & Waivers

1% fuel surcharge waiver on transactions ₹400–₹4,000 at any fuel station.
Up to 10% instant discount on BookMyShow movie tickets.
Up to 15% off (max ₹500) on dining via Axis Bank EazyDiner partners.
Renewal fee waived on ₹3.5 lakh annual spends.

Fees

Joining/annual fee: Typically ₹500 (waivable on spends).
Supports UPI linkage via the Axis app for quick virtual card use.

Eligibility Criteria

Basic Requirements

Primary cardholder age: 18–70 years.
Add-on cardholder age: Above 15 years.
Residency: Indian resident or NRI.

Income Criteria

Salaried applicants need a minimum monthly income of ₹20,000.
Self-employed individuals typically require steady income proof, though exact thresholds vary; Axis Bank assesses credit score and documentation like salary slips or bank statements.

Documentation

Proof of identity (Aadhaar, PAN, passport, etc.), address (utility bill), and income (salary slips or ITR).

How to Apply?

Online Application Steps

Visit the Axis Bank credit card page (axisbank.com/cards) or the specific IndianOil card landing page and click "Apply Now".
Enter basic details like mobile number, PAN, pin code, annual income, and captcha, then click "Next".
Select the IndianOil RuPay variant from the options, verify with the OTP sent to your mobile, accept the terms, and submit.
Fill in personal (name, address), employment (salaried/self-employed details), financial info, and upload documents like PAN, Aadhaar, salary slips/ITR.
Track status via email/SMS; approval leads to card dispatch in 7–21 days.

Offline Option

Visit your nearest Axis Bank branch with ID proof (Aadhaar/PAN), address proof, income documents (salary slips/ITR), and fill out the physical form.

Tips

Ensure eligibility (₹20,000+ monthly income for salaried) before applying.
Pre-approved offers may appear if you're an existing Axis customer.

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