The reward caps for this specific Easy variant need confirmation; another IndianOil card schedule is not substituted.
IndianOil Easy Credit Card
Review IndianOil Easy Credit Card fees, features, annual savings, missed-payment cost and alternatives using your own spending. The calculation shows both the rewards you may gain and repayment costs that can erase those gains.
Calculation coverage & fees
Complete card facts
Calculation coverage
Annual earning evidence & conditions
Annual scenario review · 2026-09-16
Annual projection needs additional evidence
The current fee schedule verifies the secured variant fees but does not establish its complete standalone earning/cap programme. No unsecured-card earning rules are substituted.
The annual calculator uses repeated eligible domestic spending and standard renewal fees. It shows the documented cash route, a clearly labelled reference estimate, or points with your selected redemption quote. Vistara projections stop at the programme closure date. This review does not certify every benefit, offer or account condition.
See this card’s annual resultRedemption evidence & open checks
Research coverage
What has been checked for this card?
We keep issuer research separate from the calculator so an unresolved cap, exclusion or redemption route can never become an invented rupee saving.
Features & benefits
What this card can offer
These features come from the issuer information used for this card's automatic calculation profile. Check the calculation notes for restrictions and unresolved rules. Reward value may be limited to vouchers or travel rather than cash.
Check your fee offer
Axis advertises nil joining and annual fees for IndianOil Easy on its FD-card application page. The standard schedule separately lists paid fees. Confirm your account's issued offer; select Lifetime free / already waived when the renewal fee is nil. A fee already waived cannot generate another fee-waiver saving.
4% at eligible IndianOil outlets
The current secured-card catalogue advertises 4% value back on eligible IndianOil fuel spending.
1% on eligible online shopping
The linked IndianOil reward schedule gives five EDGE Reward Points per ₹100 on eligible online purchases.
Base earning requires redemption confirmation
Other eligible spending earns one EDGE Reward Point per ₹100 under the linked schedule; the current card-specific INR redemption value is not confirmed.
₹500 annual fee with ₹3.5 lakh waiver
Axis Bank’s current MITC lists a ₹500 joining fee and ₹500 annual fee, waived after ₹3.5 lakh preceding-year spend.
Your money
See savings, fees and the cost of paying late
Annual value comparison
Use your real monthly spending. The same inputs are compared across available monetary models; profiles with unresolved rules are withheld.
Compare this card with all 87Card overview
What IndianOil Easy Credit Card is designed to offer
IndianOil Easy Credit Card appears in the Accurate Paisa directory under Secured / FD-backed, Fuel. This classification helps compare cards designed for similar spending, but your real return depends on eligible merchants, caps, exclusions, redemption and whether you pay an annual fee.
Secured / FD-backed
Secured cards are backed by a fixed deposit, so credit-building value and deposit conditions matter alongside rewards.
Fuel
Fuel savings can combine rewards and surcharge waivers, subject to eligible outlets, transaction bands and statement caps.
Transparent rules
How Accurate Paisa calculates its value
Your monthly spending is annualised, then the recorded reward rates, caps and milestone rules are applied. Eligible fee waivers are checked before the annual fee and GST are subtracted. The outcome is a rupee estimate and effective return, not a promise of earnings.
- ✓Axis advertises nil joining and annual fees for IndianOil Easy on its FD-card application page. The standard schedule separately lists paid fees. Confirm your account's issued offer; select Lifetime free / already waived when the renewal fee is nil. A fee already waived cannot generate another fee-waiver saving. Source: https://www.axis.bank.in/cards/credit-card/credit-card-against-fixed-deposit
- ✓The reward caps for this specific Easy variant need confirmation; another IndianOil card schedule is not substituted.
- ✓Axis Bank’s current MITC identifies Indian Oil Axis Bank Easy as a secured card with ₹500 joining and ₹500 annual fees; the annual fee is waived after ₹3.5 lakh preceding-year spend.
- ✓The issuer catalogue advertises fuel and online earning for the secured IndianOil Easy card, but the current card-specific reward cap, statement rounding and redemption value are not established by the available source.
- ✓The linked IndianOil schedule must not be substituted for this Easy variant without confirming the cardholder’s exact programme. A fixed deposit is required, and its opportunity cost is not deducted from card rewards.
- ✓Automatic monetary savings remain unavailable; use Guided calculation with the current statement or issuer terms.
Do not spend more just to reach a reward or fee waiver. Credit-card finance charges can be several times larger than ordinary reward rates, so paying the full statement balance by the due date is the most important assumption behind a positive card-value estimate.
Questions & answers
Frequently asked questions
What type of card is IndianOil Easy Credit Card? +
It is listed by Axis Bank under Secured / FD-backed, Fuel. Approval and the application route remain subject to the issuer's current rules.
How is the annual value of IndianOil Easy Credit Card calculated? +
Where a supported estimate is available, Accurate Paisa applies the recorded reward conversion, caps, fees and assumptions to your annual spending. Redemption restrictions can reduce the value you realise.
How is net card value calculated? +
Net annual value equals usable rewards plus eligible milestone value, minus the annual fee with GST and modelled transaction and redemption charges.
What happens if I miss a payment? +
Interest may apply to the unpaid balance, a late fee and GST may be charged, and the interest-free period can be lost. Use the estimator below with your statement figures.
Does the highest saving always mean the best card? +
No. Approval, acceptance, support, redemption, foreign-exchange charges and your ability to repay the full statement balance also matter.
Cardholder voice
Value, support and owner experience
No moderated cardholder rating is published yet. Accurate Paisa keeps its mathematical value score separate until enough real reviews are available.
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