INDIANOIL AXIS BANK Credit Card
Rs 500Annual fee
Rs 3,50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
fuel, indianoil, online shopping, movies, upi
Top rewards
fuel: 20 EDGE REWARD Points / Rs 100 spent at IndianOil outlets; online: 5 EDGE REWARD Points / Rs 100 spent on online shopping; base: 1 EDGE REWARD Point / Rs 100 spent on other eligible retail spends
PhonePe HDFC Bank Uno Credit Card
Rs 499Annual fee
Rs 1,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
phonepe, upi, utilities, online shopping
Top rewards
Select PhonePe transactions (recharges, utilities, bill payments, and travel): 2 Reward Points / Rs 100 spent; Select online platforms (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber): 1 Reward Point / Rs 100 spent; UPI Scan & Pay transactions: 1 Reward Point / Rs 100 spent
| Feature | INDIANOIL AXIS BANK Credit Card | PhonePe HDFC Bank Uno Credit Card |
|---|---|---|
| Issuer | Axis Bank | HDFC Bank |
| Network | RuPay, Visa | RuPay |
| Joining fee | Rs 500 | Rs 499 |
| Annual fee | Rs 500 | Rs 499 |
| Fee waiver spend | Rs 3,50,000 | Rs 1,00,000 |
| Reward type | edge reward points | reward points |
| Best for | fuel, indianoil, online shopping, movies, upi | phonepe, upi, utilities, online shopping |
| Top reward categories | fuel: 20 EDGE REWARD Points / Rs 100 spent at IndianOil outlets; online: 5 EDGE REWARD Points / Rs 100 spent on online shopping; base: 1 EDGE REWARD Point / Rs 100 spent on other eligible retail spends | Select PhonePe transactions (recharges, utilities, bill payments, and travel): 2 Reward Points / Rs 100 spent; Select online platforms (Amazon, Flipkart, Myntra, Ajio, Swiggy, Zomato, and Uber): 1 Reward Point / Rs 100 spent; UPI Scan & Pay transactions: 1 Reward Point / Rs 100 spent |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Not listed |
| Redemption | Statement credit: upto Rs 0.2 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | Fuel spends at non-IOCL outlets, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Education payments |