1 EDGE Miles / ₹150 · Up to 6 EDGE Miles / ₹150 on IndianOil
Strong data Pairwise comparison
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Axis Bank IndianOil Axis Bank Premium RuPay vs Federal Bank Imperio Credit Cards – Fees, Lounge, Forex
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
VerdictPick IndianOil Axis Bank Premium RuPay for rewards and upi.
Head-to-head
Three core metrics- Annual fee Imperio saves ₹1,000/yrIndianOil Axis Bank Premium RuPay ₹1,000 Waivable at ₹30,000 spendImperio ₹0
- Forex markup IndianOil Axis Bank Premium RuPay 3.5%Imperio 3.5%
- Domestic lounge 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)
Reward earning explained
Per card1 pt / ₹150 · Up to 3 pts / ₹150 on Healthcare Grocery
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndianOil Axis Bank Premium RuPay: ₹1,000 vs Federal Bank Imperio: ₹0), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per quarter) vs 8/year (2 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
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Rewards Axis Bank IndianOil Axis Bank Premium RuPay wins Axis Bank IndianOil Axis Bank Premium RuPay is better for rewards
Axis Bank IndianOil Axis Bank Premium RuPay is stronger here. Axis Bank IndianOil Axis Bank Premium RuPay conservative base value ~0.7% vs Federal Bank Imperio's ~0.1%.
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upi Axis Bank IndianOil Axis Bank Premium RuPay wins Axis Bank IndianOil Axis Bank Premium RuPay is better for UPI usage
Axis Bank IndianOil Axis Bank Premium RuPay is stronger here. Supports UPI via RuPay network.
All fields
Example 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.
| 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 Only available for Imperio | Not specified | ₹250–₹1,250 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded | 1% surcharge waiver | 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