Benefits of Axis Bank Indianoil Credit Card

Axis Bank Indian oil Credit Card Benefits in Hindi – Axis Bank recently launched a new co-branded fuel credit card in partnership with Indian Oil Corporation Limited, powered by Visa. The card not only gives good returns on fuel spending but also gives good returns on online spending. Here is a detailed review of the same.

What is Axis Bank IndianOil Credit Card?

The IndianOil Axis Bank Credit Card is one such card that offers great savings not only on fuel expenses but also on other expenses. The fuel credit card offers a wide range of benefits and features which include savings on every fuel spend such as instant reward points and a surcharge waiver of Rs. Apart from this, the card also comes with benefits in other categories as well.

Benefits of Axis Bank IndianOil Credit Card

In association with IndianOil, Axis Bank introduces a credit card with a slew of offers, you can now make cashless payments at IndianOil outlets and earn exciting rewards and cashback. The Axis Bank Indian Oil Credit Card also includes benefits on purchase and booking of movie tickets. Enjoy food discounts on Axis Bank Dining Delight schemes as well. Let us know about more features and benefits of this card.

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Key Features of Axis Bank IndianOil Credit Card

Key Highlights of the Axis Bank IndianOil Credit Card in Hindi

There is no doubt that this card is now one of the most profitable credit cards in India. As we know that the price of petrol and diesel in India is increasing day by day. And this is where this card enters the market to help the consumers. Apart from normal users, this card will help those who have their vehicles.

You can join this service with Rs.500.00 + GST, which is the most important feature or highlight in itself. While issuing this card, the company offers you a special welcome benefit which you can avail within the first 30 (thirty) days of your joining.

  • Instant reward points on fuel purchases at Indian Oil Corporation fuel pumps.
  • Welcome benefit of up to Rs.250 cashback on all fuel expenses made within 30 days of card issuance.
  • Instant reward points on shopping spends.
  • Fuel surcharge waiver on all your fuel expenses.
  • Annual fee waiver if your expenses cross Rs 50,000 in a year.
  • Discounts on movie ticket purchases.

IndianOil Axis Bank Credit Card Benefits (IndianOil Axis Bank Credit Card Benefits in Hindi)

1. Welcome Benefit

  • With the credit card, you will get the welcome benefit of 100% cashback up to Rs.250 on all your fuel transactions.
  • The transaction must be done within 30 days from the date of issue of the card.

2. Fuel mileage

  • Instant Reward Points will be given for all your fuel transactions done at IndianOil Corporation Limited fuel pumps in the country.
  • For every Rs 100 spent on fuel, you will get 20 reward points.
  • The minimum purchase amount is Rs.100 and the maximum is Rs.5,000 to get instant reward points.
  • With this card, you will also get 1% fuel surcharge waiver for all transactions between Rs 200 to Rs 5,000 per month.

3. Benefits of Shopping

  • 1% cash back will be offered on all your purchases made with this credit card as instant reward points.
  • For every Rs.100 spent, you will get 5 reward points on your credit card.
  • The minimum purchase amount is Rs.100 and the maximum is Rs.5,000 to get instant reward points.

4. Milestone Benefits

On spending Rs 50,000 in a year, the annual fee is waived off for the next year.

5. Benefits of Reward Points

  • With every Rs 100 spent on the card, you will get 1 EDGE reward point.
  • These Reward Points can be redeemed for the purchase of various products from Axis Bank’s Rewards Catalog.

6. Dining Benefits

With this credit card, you can get up to 20% off on dining at partner restaurants of Axis Bank under the Dining Delights program.

7. Entertainment Benefits

  • The IndianOil Axis Bank Credit Card also comes with entertainment benefits that get you instant discount on movie tickets booked on BookMyShow.
  • To get the discount, you need to apply the offer from the ‘Offers’ section during payment.

Latest Offers on the IndianOil Axis Bank Credit Card

  • Get up to Rs.1,500 off on your bookings at Zoomcar.
  • Get up to 30% off on your hotel booking at Fab Hotels.
  • Get up to 30% off on your bookings made on OYO.
  • 5% off on your domestic flight booking from Goibibo.
  • Up to 10% cashback will be given on your bookings made on Booking.com.
  • Get up to 25% off on your first order at PharmEasy.

Axis Bank IndianOil Credit Card Limit

The credit limit for the Axis Bank IndianOil Credit Card is given at the discretion of the Bank. Axis Bank considers many factors while determining the credit limit and it varies from person to person. Some of these factors include the primary applicant’s annual income, credit score, credit report as well as the repayment habits of past and ongoing loans.

Benefits of IndianOil Axis Bank Credit Card Reward Points

IndianOil Axis Bank Credit Card Reward Point Benefits in Hindi

  • For every Rs.100 spent, you will get 1 EDGE reward point
  • Instant Reward Points will be awarded on all your fuel purchases. For every Rs 100 spent, 20 reward points will be given.
  • 5 Reward Points will be given for every Rs.100 spent on all your online purchases.

Fees and Charges of Axis Bank IndianOil Credit Card

type of charge Zodiac
joining fee 500 rupees
Annual Fee Rs.500 (waived if annual expenditure exceeds Rs.50,000)
Finance charge 3.4% per month
Add-on Card Joining Fee Zero
Add-on Card Annual Fee Zero
cash payment fee Rs 100
card replacement fee Zero
charge slip retrieval fee sorry
duplicate statement fee sorry
mobile alert Free
outstation check fee sorry
hotlisting fee Zero
Cash Withdrawal Fee 3.4% (minimum Rs.500)
over limit penalty 3% of the over limit amount subject to a minimum of Rs.500
check return or dishonor fee 2% of the payment amount subject to a minimum of Rs.450.
foreign currency transaction fee 3.5% of the transaction value
surcharge on railway tickets According to IRCTC
GST as per government norms

Late Payment Charges for Axis Bank IndianOil Credit Card

Overdue Amount Late Payment Charges

overdue amount late payment charge
If the balance amount is less than ₹100 No fee
When the outstanding amount is between ₹101-₹300 100
When the outstanding amount is between ₹ 301- ₹ 1000 300
When the outstanding amount is between ₹1001- ₹5000 500
When the outstanding amount is between ₹ 5001- ₹ 10000 600
When the outstanding amount is above ₹10001 700

Axis Bank IndianOil Credit Card Eligibility Criteria

Eligibility Criteria of the Axis Bank IndianOil Credit Card in Hindi

Once you click on the Apply Now option on the Axis Bank website, the bank will ask for some primary details that need to be entered. Once done, the bank will check if you are eligible for the credit card and get in touch with you.

The ideal eligibility criteria for a credit card is:

  • Applicant age should be between 18 to 70 years.
  • The primary applicant must be a citizen of India.
  • The age of the add-on applicant should be more than 15 years

Documents Required to Apply for Axis Bank IndianOil Credit Card

You will have to submit several documents during the application process. Here are some documents that are required:

  • Address proof
    • Ration card
    • Passport
    • voter id card
    • Aadhar card
  • proof of identity
    • Passport
    • Aadhar card
    • driving license
    • Amount of income
    • salary slip
    • IT Returns
    • Form 16

The above list of documents is indicative. The Bank may ask you to submit any other documents during the application process or as required.

FAQs on Axis Bank IndianOil Credit Card Benefits

FAQ on Axis Bank Indianoil Credit Card Benefits in Hindi

What is the joining fee of Axis Bank IndianOil Credit Card?

The joining fee for Axis Bank IndianOil Credit Card is Rs 500.

Where can I redeem the reward points in Axis Bank IndianOil Credit Card?

You can redeem your Reward Points from the Rewards Catalog on Axis Bank website or Mobile App.

What is the fuel surcharge waiver on Axis Bank IndianOil Credit Card?

Fuel surcharge which is 1% of your fuel purchase amount is waived off for all transactions done with Axis Bank IndianOil Credit Card. The minimum purchase amount is Rs.200 and maximum is Rs.5,000 to avail this discount.

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