{
  "id": "axis-indianoil-premium-credit-card",
  "locale": "hinglish",
  "name": "IndianOil Axis Bank Premium Credit Card",
  "bank": "Axis Bank",
  "cardType": "shopping",
  "cardTier": "mid",
  "annualFee": "₹1,000 + GST",
  "loungeAccess": "8 Domestic Lounges / year (2/qtr on ₹50k spend)",
  "rewardsRate": "4.0% EDGE Miles at IOCL (up to ₹15k/mo) · 8 Domestic Lounges · ₹30k Fee Waiver",
  "bestFor": "Highway road-trippers, car owners, IndianOil petrol/diesel, airport lounges & ultra-low fee waiver",
  "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": "Waived at ₹30,000 annual spend (Ultra-Low)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "IOCL Fuel Miles",
      "value": "4.0% (6 EDGE Miles / ₹150)"
    },
    {
      "key": "IOCL Spend Cap",
      "value": "₹15,000 / month (High)"
    },
    {
      "key": "Domestic Lounge",
      "value": "8 visits / year (2/qtr)"
    },
    {
      "key": "Welcome Gift",
      "value": "500 EDGE Miles (₹500 value)"
    },
    {
      "key": "Fee Waiver Target",
      "value": "₹30,000 / year (Ultra-Low)"
    },
    {
      "key": "Annual Fee",
      "value": "₹1,000 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "IndianOil Petrol & Diesel Pumps",
      "rate": "4.0% (6 EDGE Miles / ₹150)",
      "monthlyCap": "600 Miles / month (₹15k spend)",
      "perLakhSpent": "4,000 Miles (Capped at 600 Miles/mo)"
    },
    {
      "category": "Groceries & Supermarket Stores",
      "rate": "1.33% (2 EDGE Miles / ₹150)",
      "monthlyCap": "66 Miles / month (₹5k spend)",
      "perLakhSpent": "1,333 Miles (₹1,333 value)"
    },
    {
      "category": "All Other Domestic Retail Spends",
      "rate": "0.67% (1 EDGE Mile / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "666 Miles (₹666 value)"
    },
    {
      "category": "Fuel Outside IOCL & Rent",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Miles"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "IndianOil Fuel",
      "multiplier": "6 EDGE Miles",
      "rate": "4.0%",
      "monthlyCap": "600 Miles / month",
      "dailyCap": "—",
      "note": "6 Miles per ₹150 at IOCL."
    },
    {
      "channel": "Groceries",
      "multiplier": "2 EDGE Miles",
      "rate": "1.33%",
      "monthlyCap": "66 Miles / month",
      "dailyCap": "—",
      "note": "2 Miles per ₹150 on grocery."
    },
    {
      "channel": "Domestic Lounges",
      "multiplier": "8 Visits",
      "rate": "Airport Lounge",
      "monthlyCap": "2 visits / quarter",
      "dailyCap": "—",
      "note": "2 free lounges per quarter."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Airline Air Miles Transfer",
      "value": "₹1.00 / EDGE Mile",
      "minPoints": "500 Miles",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "Travel EDGE Flight & Hotel Bookings",
      "value": "₹1.00 / EDGE Mile",
      "minPoints": "500 Miles",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    }
  ],
  "exclusions": [
    "Non-IOCL petrol pumps (HPCL, BPCL earn base miles).",
    "Rent payments.",
    "Wallet load transactions."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹1,000 + GST (500 EDGE Miles welcome gift)"
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹1,000 + GST (Waived at ₹30,000 spend)"
    },
    {
      "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": "21–65 years"
    },
    {
      "criteria": "Salaried Income",
      "requirement": "₹35,000+ monthly net salary"
    },
    {
      "criteria": "Self-Employed Income",
      "requirement": "ITR above ₹5.0 Lakhs per annum"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}