1 EDGE Miles / ₹150 · Up to 6 EDGE Miles / ₹150 on IndianOil
Strong data Pairwise comparison
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AXIS IndianOil Axis Bank Premium RuPay vs FEDERAL Imperio
Side-by-side comparison of the Axis Bank IndianOil Axis Bank Premium RuPay and the Federal Bank Imperio. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick IndianOil Axis Bank Premium RuPay for rewards and UPI payments.
Imperio costs ₹1,000 less a year.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹1,000/yr apart · waiver gates differIndianOil Axis Bank Premium RuPay ₹1,000 Waivable at ₹30,000 spendImperio ₹0
- Forex markup Forex markup outcome: tie. IndianOil Axis Bank Premium RuPay 3.5%Imperio 3.5%
- Domestic lounge Domestic lounge outcome: tie. IndianOil Axis Bank Premium RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar monthsImperio 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹40,000 spend in the previous calendar quarter (unlocks the following quarter)
- Rewards Rewards outcome: IndianOil Axis Bank Premium RuPay wins. conservative base valueIndianOil Axis Bank Premium RuPay ~0.7%Imperio ~0.1%
- UPI payments UPI payments outcome: IndianOil Axis Bank Premium RuPay wins. IndianOil Axis Bank Premium RuPay Supports UPIImperio No UPI support
Reward earning explained
1 pt / ₹150 · 3 pts / ₹150 on eligible grocery and healthcare Grocery
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- IndianOil Axis Bank Premium: ~₹330/month at base rate
- Imperio: ~₹30/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | IndianOil Axis Bank Premium RuPay Axis Bank | Imperio Federal Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 8/year (2 per quarter) | 8/year (2 per quarter) |
| International lounge visits Only available for IndianOil Axis Bank Premium | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,000 vs ₹0 | ₹1,000 | ₹0 |
| Annual-fee waiver Only available for IndianOil Axis Bank Premium | ₹30,000 | Not specified |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge ₹500–₹1,300 depending on outstanding balance vs ₹250–₹1,250 depending on outstanding balance | ₹500–₹1,300 depending on outstanding balance | ₹250–₹1,250 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400+ transactions vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400+ transactions | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Points per ₹150 1 EDGE Miles / ₹150 vs 1 pt / ₹150 | 1 EDGE Miles / ₹150 | 1 pt / ₹150 |
| Conservative base value ~0.7% vs ~0.1% | ~0.7% | ~0.1% |
| Earn ceiling 600 EDGE Miles per month; at 6 EDGE Miles / ₹150, this lane reaches the cap at ₹15,000 of eligible spend vs Not stated | 600 EDGE Miles per month at 6 EDGE Miles / ₹150, this lane reaches the cap at ₹15,000 of eligible spend | Not stated |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
| Point validity Only available for Imperio | Not specified | 3 years |
Notes
- IndianOil Axis Bank Premium Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Federal Bank Imperio Credit Card: Condition: ₹40,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank IndianOil Axis Bank Premium RuPay
Verify with issuer , opens external siteFederal Bank Imperio
Verify with issuer , opens external site