{
  "id": "axis-indianoil-easy-credit-card",
  "locale": "hi",
  "name": "IndianOil Easy Axis Bank Credit Card",
  "bank": "Axis Bank",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹0 (100% लाइफटाइम फ्री)",
  "loungeAccess": "लाउंज एक्सेस उपलब्ध नहीं",
  "rewardsRate": "IOCL पर 4.0% (20 EDGE अंक / ₹100) · 1% ऑनलाइन शॉपिंग · 1% फ्यूल सरचार्ज छूट",
  "bestFor": "इंडियनऑयल पेट्रोल पंप, दैनिक शहर आवागमन, दोपहिया वाहन चालक और शून्य रखरखाव लागत",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/indianoil-axis-bank-credit-card",
  "affiliateId": "axis-indianoil-easy-credit-card",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "LIVE_VERIFIED",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "Axis Bank — IndianOil Easy Credit Card schedule of charges",
    "IndianOil Axis Fuel Matrix — 20 EDGE reward points and surcharge waiver terms"
  ],
  "feeWaiver": "बिना किसी शर्त के आजीवन मुफ्त",
  "networks": [
    "Visa",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "IOCL फ्यूल बचत",
      "value": "4.0% (20 EDGE अंक / ₹100)"
    },
    {
      "key": "ऑनलाइन शॉपिंग",
      "value": "1.0% (5 EDGE अंक / ₹100)"
    },
    {
      "key": "स्वागत उपहार",
      "value": "1,250 EDGE पॉइंट्स (₹250)"
    },
    {
      "key": "ईंधन छूट",
      "value": "1% सरचार्ज (अधिकतम ₹50/माह)"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹0 (100% लाइफटाइम फ्री)"
    },
    {
      "key": "पॉइंट का मूल्य",
      "value": "1 EDGE पॉइंट = ₹0.20"
    }
  ],
  "earnRates": [
    {
      "category": "IndianOil पेट्रोल व डीजल पंप",
      "rate": "4.0% (20 EDGE pts / ₹100)",
      "monthlyCap": "1,000 pts / माह (₹5k खर्च)",
      "perLakhSpent": "20,000 pts (अधिकतम 1,000 pts/माह)"
    },
    {
      "category": "ऑनलाइन शॉपिंग व ई-कॉमर्स",
      "rate": "1.0% (5 EDGE pts / ₹100)",
      "monthlyCap": "250 pts / माह (₹5k खर्च)",
      "perLakhSpent": "5,000 pts (₹1,000 मूल्य)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "0.20% (1 EDGE pt / ₹100)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "1,000 pts (₹200 मूल्य)"
    },
    {
      "category": "किराया, वॉलेट व बीमा",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IndianOil ईंधन",
      "multiplier": "20 EDGE pts",
      "rate": "4.0%",
      "monthlyCap": "1,000 pts / माह",
      "dailyCap": "—",
      "note": "IOCL पर प्रति ₹100 पर 20 अंक।"
    },
    {
      "channel": "ऑनलाइन शॉपिंग",
      "multiplier": "5 EDGE pts",
      "rate": "1.0%",
      "monthlyCap": "250 pts / माह",
      "dailyCap": "—",
      "note": "ऑनलाइन खरीद पर प्रति ₹100 पर 5 अंक।"
    },
    {
      "channel": "BookMyShow मूवीज",
      "multiplier": "10% Off",
      "rate": "Discounts",
      "monthlyCap": "प्रति लेनदेन",
      "dailyCap": "—",
      "note": "तत्काल 10% मूवी छूट।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "IOCL फ्यूल व ब्रांड वाउचर्स",
      "value": "₹0.20 / EDGE Point",
      "minPoints": "500 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "स्टेटमेंट नकद क्रेडिट",
      "value": "₹0.20 / EDGE Point",
      "minPoints": "1,000 pts",
      "ceiling": "कोई सीमा नहीं",
      "fee": "₹99 + GST",
      "isBest": true
    }
  ],
  "exclusions": [
    "गैर-IOCL पेट्रोल पंप (HPCL, BPCL पर बेस अंक)।",
    "किराया भुगतान (Rent pay)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹0 (100% लाइफटाइम फ्री)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹0 (आजीवन पूर्णतः मुफ्त)"
    },
    {
      "item": "फॉरेक्स मार्कअप",
      "value": "3.5% + 1.5% DCC"
    },
    {
      "item": "रिवॉल्विंग ब्याज दर",
      "value": "3.75% प्रति माह (55.55% वार्षिक)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "आयु सीमा",
      "requirement": "18 से 70 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹18,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹2.5 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}