IOCL Axis Bank Rupay Credit Card 2025
4.2% Fuel Cashback
Lifetime Free
₹500 Welcome
1% All Spends
Save over ₹6,000+ every year with 4.2% fuel cashback + NO FEES EVER!
Best fuel card! IOCL Axis Rupay gives 4.2% cashback on IOCL fuel, lifetime free, ₹500 welcome voucher, and 1% on all spends.
Perfect for daily commuters!
Why Choose IOCL Axis Rupay in 2025?
4.2% IOCL fuel • Lifetime free • ₹500 welcome • 1% everywhere • UPI payments
Best for: Car/bike owners, daily commuters, fuel savers
Card At a Glance
Joining Fee
₹0 (Lifetime Free)
₹0 (Lifetime Free)
Annual Fee
₹0 (Never)
₹0 (Never)
Fuel Cashback
4.2% IOCL
4.2% IOCL
Lounge Access
None
None
Forex Markup
3.5%
3.5%
Welcome Gift
₹500 Voucher
₹500 Voucher
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Never Charged) |
| Fuel Cashback | 4.2% on IOCL (₹400-₹4,000) |
| Other Cashback | 1% all spends |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 4.2% cashback on IOCL fuel (₹400-₹4,000/transaction)
- 1% cashback on all other spends
- ₹500 welcome IOCL voucher
- Cashback as EDGE points (1:1)
- No expiry on rewards
Airport Lounge Access
No complimentary lounge access
Insurance & Protection Benefits
- ₹1 Lakh purchase protection
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 4.2% IOCL fuel | IOCL fuel only |
| Lifetime FREE | No lounge access |
| ₹500 welcome voucher | 3.5% forex markup |
| 1% everywhere | Transaction limits |
| Rupay UPI enabled |
Eligibility Criteria & Documents Required
- Age: 18–70 years
- Minimum Annual Income: ₹2 Lakh
- Credit Score: 700+ preferred
- Documents: PAN, Aadhaar only
How to Apply Online (3-Minute Process)
- Visit Axis Bank website
- Select IOCL Rupay → Apply
- Fill basic details
- Video KYC (1 minute)
- Card + ₹500 voucher in 7 days
Final Verdict – Should You Get It in 2025?
Best fuel saver card! 4.2% IOCL cashback + lifetime free = ₹6,000+ value. Perfect for petrolheads!
Frequently Asked Questions (FAQs)
4.2% on all IOCL fuel?
Yes! ₹400-₹4,000 transactions.
Lifetime free guaranteed?
Yes! No fees ever.
₹500 welcome voucher?
Yes! IOCL fuel voucher on joining.
1% on other spends?
Yes! Everywhere you swipe.
Rupay UPI works?
Yes! Full UPI functionality.