Axis IOCL RuPay Credit Card: 4% Fuel Savings & Cashback | Apply 2025
- Abhinand PS
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- Apr 28
- 3 min read
Introduction: Why the Axis IOCL RuPay Credit Card is a Smart Choice for Fuel Spenders
Every time you fuel up, you’re spending a significant chunk of your monthly budget.But what if your fuel expenses could reward you back?
The Axis IOCL RuPay Credit Card is specially designed for frequent drivers, offering 4% savings at Indian Oil outlets, plus RuPay-exclusive benefits.
👉 Apply instantly for Axis IOCL RuPay Credit Card and start saving on every drive!
Axis IOCL RuPay Credit Card: Quick Facts at a Glance
Feature | Details |
Joining Fee | ₹500 + taxes |
Welcome Offer | 100% cashback up to ₹250 on fuel spends within 30 days |
Fuel Savings | 4% value back at Indian Oil outlets |
Network | RuPay |
Annual Fee Waiver | Spend ₹50,000/year to waive next year’s fee |
Apply Link |
Why You Should Consider the Axis IOCL RuPay Credit Card
1. 4% Cashback on Fuel Expenses
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Earn 20 EDGE reward points per ₹100 spent at Indian Oil petrol pumps.
1 EDGE reward point = ₹0.20 value, making it an effective 4% cashback.
Maximum ₹150 cashback per month.
Pro Tip: Always swipe at Indian Oil outlets to maximize your fuel rewards!
2. Welcome Offer: Cashback on Your First Fuel Spend
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100% cashback up to ₹250 when you fuel up within 30 days of receiving the card.
Real Story:Priya from Mumbai got ₹250 cashback after her first fuel spend of ₹800 — "It felt like I got my first tank free!" she says.
3. Exclusive RuPay Benefits
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Access to exclusive RuPay Platinum benefits like:
Complimentary lounge access at select airports.
Special cashback deals on dining and shopping.
UPI-linked transactions for convenience.
Pro Tip: Use your Axis IOCL RuPay Credit Card for online RuPay merchant offers and earn additional savings!
Detailed Fees and Charges
Charge Type | Amount |
Joining Fee | ₹500 + GST |
Annual Fee (2nd year onwards) | ₹500 + GST (waived on ₹50,000 annual spend) |
Interest Rate | 3.6% per month |
Foreign Currency Markup | 3.5% of transaction amount |
Fuel Surcharge Waiver | 1% waiver on transactions between ₹200–₹5,000 at fuel pumps |
How to Apply for Axis IOCL RuPay Credit Card
The process is 100% digital and super easy:
Click on this official application link.
Fill in basic details (PAN, Aadhaar, income proof).
Complete e-KYC verification online.
Receive your card approval within 2–3 working days.
Who Should Get the Axis IOCL RuPay Credit Card?
Daily commuters who regularly fuel up at Indian Oil stations.
Budget-conscious shoppers who want RuPay discounts.
Users looking for airport lounge access benefits on a budget.
Stat Alert:If you spend ₹5,000/month on fuel, you could save up to ₹1,800 annually — easily covering your annual fees and more!
FAQs about Axis IOCL RuPay Credit Card
1. Can I use the Axis IOCL RuPay Credit Card for international transactions?
Yes, RuPay cards now support international transactions where accepted.
2. How is the fuel cashback credited?
Cashback is provided through EDGE reward points, redeemable for vouchers, merchandise, or statement credit.
3. What is the maximum fuel cashback per month?
₹150 is the monthly maximum cashback you can earn on fuel.
4. Is the annual fee refundable?
Yes, if you spend ₹50,000 in a card membership year, the annual fee for the next year will be waived off.
Final Thoughts: Is the Axis IOCL RuPay Credit Card Worth It?
The Axis IOCL RuPay Credit Card is a must-have if you’re looking for fuel savings, UPI-linked transactions, and exclusive RuPay perks.With a low joining fee, straightforward rewards, and practical daily benefits, this card is a budget-friendly powerhouse.
👉 Don’t wait – apply for your Axis IOCL RuPay Credit Card today and drive your savings forward!
Internal Links (Suggestions)
External Links
Axis Bank Official IOCL RuPay Card Page
RuPay Platinum Benefits
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