Indian Oil Axis Credit Card: Indian Oil Petrol credit Card- Apply online to enjoy fuel benefits
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Indialends, 01 Oct 2025

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Indian Oil Axis Credit Card

What is LAMF Finance Charges (Interest Rates) Late Payment Fees Cash Advance Fees

Anyone who is looking forward to saving more on fuel transactions must apply for IndianOil Axis Bank Credit Card. This card comes with a host of benefits like accelerated rewards, fuel surcharge waivers, discounts, cashback offers on shopping, fine dining, and welcome benefits.

Key highlights of Axis Bank Flipkart Credit Card

  • Up to Rs.500 cashback on fuel spends.

Features and benefits of IndianOil Axis Bank Credit Card

  • Even it is a fuel credit card, you can enjoy 20% off on Axis Banks Partnered restraunts in India
  • Using this card makes you eligible to avail 4% value back on fuel transaction on any IOCL fuel outlet in India.
  • Welcome Benefits - Earn 100% cashback within 30 days.
  • 1% Fuel Surcharge Waiver spend in India at any Petrol Pump outlet
  • 1% Value Back on Online Shopping with 5 reward points per INR 100 Spends
  • 1 EDGE points on every Rs 100 spent
  • 10% discount on BookMyShow

The eligibility criteria to apply for IndianOil Axis Bank Credit Card

  • The minimum age to apply for a credit card is 18 years and the maximum is 70 years
  • The add-on card holder’s minimum age is 15 years.
  • Anyone can apply resident or Non-resident of India.
  • Must be having a good credit score which is 750, or above.

The documents required to apply for IndianOil Axis Bank Credit Card

  • Filled credit card application form.
  • PAN Card or Form 60.
  • Identity proof - PAN, driving license, Aadhaar Card, etc.
  • Income proof - latest payslips, Form 16, IT return copy, etc.
  • Residence proof - Passport, Ration Card, electricity bill, Aadhaar, etc.
  • Passport size color photographs of the applicant.

IndianOil Axis Bank Credit Card fee and Charges

Fee Type Amount
Joining Fee Rs.500 + applicable taxes
Annual Fee 2nd year onwards – Rs.500 (waived off on spending Rs.50,000 in a year)
Finance Charges 3.4% per month (49.36% per annum)
Cash Withdrawal Fee Minimum Rs.500 | 3.4% of the amount
Late Payment Charges Nil for total payment up to Rs. 100
Rs. 100 if the total payment is between Rs. 101-Rs. 300
Rs. 300 if the total payment is between Rs. 301-Rs 1,000
Rs. 500 if the total payment is between Rs. 1,001-Rs 5,000
Rs. 600 if the total payment is between Rs. 5,001- Rs 20,000
Rs. 700 if the total payment is Rs. 20,000 and more
Fuel Transaction Surcharge 1% of the transaction amount
Foreign Currency Transaction 3.50% of the transaction Value
Cash Payment Fee Rs 100

We IndiaLends has 50+ credit cards of the top banks that are offering best-in-class rewards in the form of cashback and discounts.

How to apply for a Credit Card with IndiaLends

We provide you hassle-free and simple ways to apply for a credit card. You have to enter few basic details and we suggest the best credit card offers for you. Follow the steps given below to apply:

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

Once you apply, you will get a call from our representative who will assist you in delivering the credit card of your choice to your doorstep.

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FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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