IndianOil Axis Bank Premium Credit Card
Rs 1,000Annual fee
Rs 1,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- Complimentary domestic lounge access, illustrated by Axis as 2 visits per quarter
3.5%Forex markup
Best for
fuel, indianoil, grocery, zomato, lounge
Top rewards
IndianOil fuel outlets (up to Rs 15,000 spend/month): 6 EDGE Miles / Rs 150 spent at IndianOil outlets; Grocery and supermarket spends (up to Rs 5,000 spend/month): 2 EDGE Miles / Rs 150 spent on grocery and supermarket; Other eligible retail spends: 1 EDGE Mile / Rs 150 spent on other eligible spends
HPCL ENERGIE BOBCARD
Rs 499Annual fee
Rs 50,000Fee waiver spend
4Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic airport lounge visits per year, limited to 1 visit per quarter.
3.5%Forex markup
Best for
fuel, hpcl, grocery, utility bills, lounge
Top rewards
fuel: 24 Reward Points / ₹150; utility bills, grocery, departmental stores: 10 Reward Points / ₹150; retail: 2 Reward Points / ₹150
| Feature | IndianOil Axis Bank Premium Credit Card | HPCL ENERGIE BOBCARD |
|---|---|---|
| Issuer | Axis Bank | Bank of Baroda |
| Network | Mastercard | RuPay |
| Joining fee | Rs 1,000 | Rs 499 |
| Annual fee | Rs 1,000 | Rs 499 |
| Fee waiver spend | Rs 1,00,000 | Rs 50,000 |
| Reward type | edge miles | reward points |
| Best for | fuel, indianoil, grocery, zomato, lounge | fuel, hpcl, grocery, utility bills, lounge |
| Top reward categories | IndianOil fuel outlets (up to Rs 15,000 spend/month): 6 EDGE Miles / Rs 150 spent at IndianOil outlets; Grocery and supermarket spends (up to Rs 5,000 spend/month): 2 EDGE Miles / Rs 150 spent on grocery and supermarket; Other eligible retail spends: 1 EDGE Mile / Rs 150 spent on other eligible spends | fuel: 24 Reward Points / ₹150; utility bills, grocery, departmental stores: 10 Reward Points / ₹150; retail: 2 Reward Points / ₹150 |
| SmartBuy / accelerated caps | Not listed | Not listed |
| Domestic lounge | 8 | 4 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Annual fee waived on spends of Rs 1,00,000 and above in a card anniversary year (excluding wallet, rent, and insurance spends) | 2,000 joining reward points on spending Rs 5,000 or more within 60 days, Renewal fee waiver on annual spends of Rs 50,000 |
| Redemption | Air miles: upto Rs 0.5 per point; Statement credit: upto Rs 0.333 per point | Statement credit: upto Rs 0.25 per point |
| Key exclusions | Fuel transaction charges outside surcharge waiver terms, Rent payments, E-wallet loading transactions, Insurance premium payments, Utilities and telecom spends, Government services spends | fuel spends eligible for surcharge waiver do not earn reward points, HP Pay direct payment mode is not eligible for listed fuel savings, taxes and charges excluded as per BOBCARD terms |