{
  "id": "axis-indianoil-easy-credit-card",
  "locale": "hinglish",
  "name": "IndianOil Easy Axis Bank Credit Card",
  "bank": "Axis Bank",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹0 (100% Lifetime Free)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "4.0% (20 EDGE pts / ₹100) at IOCL · 1% on Online Shopping · 1% Fuel Surcharge Waiver",
  "bestFor": "IndianOil fuel refuels, daily city commuters, two-wheelers & zero-cost fuel optimization",
  "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": "Lifetime Free with zero conditions",
  "networks": [
    "Visa",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "IOCL Fuel Reward",
      "value": "4.0% (20 EDGE pts / ₹100)"
    },
    {
      "key": "Online Shopping",
      "value": "1.0% (5 EDGE pts / ₹100)"
    },
    {
      "key": "Welcome Gift",
      "value": "1,250 EDGE Points (₹250)"
    },
    {
      "key": "Fuel Waiver",
      "value": "1% Surcharge (up to ₹50/mo)"
    },
    {
      "key": "Annual Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "key": "Point Value",
      "value": "1 EDGE Point = ₹0.20"
    }
  ],
  "earnRates": [
    {
      "category": "IndianOil Petrol & Diesel Pumps",
      "rate": "4.0% (20 EDGE pts / ₹100)",
      "monthlyCap": "1,000 pts / month (₹5k spend)",
      "perLakhSpent": "20,000 pts (Capped at 1,000 pts/mo)"
    },
    {
      "category": "Online Shopping & E-Commerce",
      "rate": "1.0% (5 EDGE pts / ₹100)",
      "monthlyCap": "250 pts / month (₹5k spend)",
      "perLakhSpent": "5,000 pts (₹1,000 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "0.20% (1 EDGE pt / ₹100)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 pts (₹200 value)"
    },
    {
      "category": "Rent, Wallet & Insurance",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 pts"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IndianOil Fuel",
      "multiplier": "20 EDGE pts",
      "rate": "4.0%",
      "monthlyCap": "1,000 pts / month",
      "dailyCap": "—",
      "note": "20 pts per ₹100 at IOCL."
    },
    {
      "channel": "Online Shopping",
      "multiplier": "5 EDGE pts",
      "rate": "1.0%",
      "monthlyCap": "250 pts / month",
      "dailyCap": "—",
      "note": "5 pts per ₹100 on web retail."
    },
    {
      "channel": "BookMyShow Movies",
      "multiplier": "10% Off",
      "rate": "Discounts",
      "monthlyCap": "Per transaction",
      "dailyCap": "—",
      "note": "Instant 10% movie discount."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "IOCL Fuel & Brand Vouchers",
      "value": "₹0.20 / EDGE Point",
      "minPoints": "500 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "Statement Cash Credit",
      "value": "₹0.20 / EDGE Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": true
    }
  ],
  "exclusions": [
    "Non-IOCL petrol pumps (HPCL, BPCL earn base points).",
    "Rent payments.",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (100% Lifetime Free)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 (Lifetime Free Forever)"
    },
    {
      "item": "Forex Markup",
      "value": "3.5% + 1.5% DCC"
    },
    {
      "item": "Finance Charges",
      "value": "3.75% / month (55.55% / year)",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Age",
      "requirement": "18–70 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹18,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹2.5 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}