{
  "id": "axis-indianoil-premium-credit-card",
  "locale": "hi",
  "name": "IndianOil Axis Bank Premium Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "mid",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "8 घरेलू लाउंज / वर्ष (2/तिमाही, ₹50k खर्च शर्त)",
  "rewardsRate": "IOCL पर 4.0% EDGE माइल्स (₹15k/माह तक) · 8 लाउंज · मात्र ₹30k शुल्क माफी",
  "bestFor": "हाईवे यात्री, कार मालिक, इंडियनऑयल पेट्रोल-डीजल, एयरपोर्ट लाउंज और कम शुल्क माफी",
  "officialLink": "https://www.axis.bank.in/cards/credit-card/indianoil-premium-credit-card",
  "aiVerdict": {
    "score": 6.3,
    "summary": "Its strong reward rate and low annual fee offset limited lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 4,
  "affiliateId": "axis-indianoil-premium-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 Premium Credit Card schedule of charges",
    "Axis IndianOil Premium Rewards Matrix — 6 EDGE Miles per ₹150 and lounge access terms"
  ],
  "feeWaiver": "मात्र ₹30,000 वार्षिक खर्च पर शुल्क माफ",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "IOCL फ्यूल माइल्स",
      "value": "4.0% (6 EDGE माइल्स / ₹150)"
    },
    {
      "key": "मासिक खर्च सीमा",
      "value": "₹15,000 / माह (उच्च सीमा)"
    },
    {
      "key": "घरेलू लाउंज",
      "value": "8 विज़िट / वर्ष (2/तिमाही)"
    },
    {
      "key": "स्वागत उपहार",
      "value": "500 EDGE माइल्स (₹500)"
    },
    {
      "key": "शुल्क माफी लक्ष्य",
      "value": "मात्र ₹30,000 / वर्ष"
    },
    {
      "key": "वार्षिक शुल्क",
      "value": "₹1,00,0 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "IndianOil पेट्रोल व डीजल पंप",
      "rate": "4.0% (6 EDGE Miles / ₹150)",
      "monthlyCap": "600 Miles / माह (₹15k खर्च)",
      "perLakhSpent": "4,000 Miles (अधिकतम 600 Miles/माह)"
    },
    {
      "category": "ग्रॉसरी व सुपरमार्केट स्टोर्स",
      "rate": "1.33% (2 EDGE Miles / ₹150)",
      "monthlyCap": "66 Miles / माह (₹5k खर्च)",
      "perLakhSpent": "1,333 Miles (₹1,333 मूल्य)"
    },
    {
      "category": "अन्य सभी सामान्य रिटेल खर्च",
      "rate": "0.67% (1 EDGE Mile / ₹150)",
      "monthlyCap": "कोई सीमा नहीं",
      "perLakhSpent": "666 Miles (₹666 मूल्य)"
    },
    {
      "category": "गैर-IOCL ईंधन व किराया",
      "rate": "0%",
      "monthlyCap": "शून्य (Excluded)",
      "perLakhSpent": "0 Miles"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IndianOil ईंधन",
      "multiplier": "6 EDGE Miles",
      "rate": "4.0%",
      "monthlyCap": "600 Miles / माह",
      "dailyCap": "—",
      "note": "IOCL पर प्रति ₹150 पर 6 माइल्स।"
    },
    {
      "channel": "ग्रॉसरी खरीदारी",
      "multiplier": "2 EDGE Miles",
      "rate": "1.33%",
      "monthlyCap": "66 Miles / माह",
      "dailyCap": "—",
      "note": "राशन पर प्रति ₹150 पर 2 माइल्स।"
    },
    {
      "channel": "घरेलू लाउंज",
      "multiplier": "8 Visits",
      "rate": "Airport Lounge",
      "monthlyCap": "2 विज़िट / तिमाही",
      "dailyCap": "—",
      "note": "सालाना 8 मुफ्त लाउंज विज़िट।"
    }
  ],
  "redemptionRoutes": [
    {
      "route": "एयरलाइन एयर माइल्स ट्रांसफर",
      "value": "₹1.00 / EDGE Mile",
      "minPoints": "500 Miles",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    },
    {
      "route": "Travel EDGE फ्लाइट व होटल बुकिंग्स",
      "value": "₹1.00 / EDGE Mile",
      "minPoints": "500 Miles",
      "ceiling": "कोई सीमा नहीं",
      "fee": "शून्य",
      "isBest": true
    }
  ],
  "exclusions": [
    "गैर-IOCL पेट्रोल पंप (HPCL, BPCL पर बेस माइल्स)।",
    "किराया भुगतान (Rent pay)।",
    "वॉलेट लोड।"
  ],
  "feesDetail": [
    {
      "item": "जॉइनिंग शुल्क",
      "value": "₹1,000 + GST (500 EDGE माइल्स स्वागत उपहार)"
    },
    {
      "item": "वार्षिक नवीनीकरण शुल्क",
      "value": "₹1,000 + GST (₹30,000 खर्च पर माफ)"
    },
    {
      "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": "21 से 65 वर्ष"
    },
    {
      "criteria": "वेतनभोगी आय",
      "requirement": "₹35,000+ प्रति माह शुद्ध वेतन"
    },
    {
      "criteria": "स्वरोजगार आय",
      "requirement": "₹5.0 लाख से अधिक का ITR"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}