- Annual fee ₹1,000 Waivable at ₹30,000 spend
- Forex markup 3.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Pairwise comparison
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Axis Bank IndianOil Axis Bank Premium RuPay vs IDBI Bank Euphoria World Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndianOil Axis Bank Premium RuPay and the IDBI Bank Euphoria World. Verify fees, lounge access, forex markup, and base rewards before you apply.
upi Axis Bank IndianOil Axis Bank Premium RuPay
Quick comparison
Three core metrics- Annual fee ₹1,499 Waivable at ₹1,50,000 spend
- Forex markup 3.5%
- Domestic lounge 12/year
Reward earning explained
Per card6 EDGE Miles / ₹150 on IndianOil (domestic) + 1 EDGE Miles / ₹150 on General sp…
6 pts / ₹100 on Travel (6 Delight Points for every 100 you spend on travel rela…
Pick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndianOil Axis Bank Premium RuPay: ₹1,000 vs IDBI Bank Euphoria World: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (2/quarter vs 12/year).
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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. Domestic lounge access is 12 per year.
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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.
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Example usage at this monthly spend
At ₹50k/month spend:
- IDBI Euphoria World: ~₹380/month at base rate
- IndianOil Axis Bank Premium: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | IndianOil Axis Bank Premium RuPay Axis Bank | Euphoria World IDBI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 2/quarter vs 12/year | 2/quarter | 12/year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹1,000 vs ₹1,499 | ₹1,000 | ₹1,499 |
| Joining fee ₹1,000 vs ₹0 | ₹1,000 | ₹0 |
| Fee waiver spend ₹30,000 vs ₹1,50,000 | ₹30,000 | ₹1,50,000 |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Rewards | ||
| Reward points (base spend) 1 pts/₹150 vs 3 pts/₹100 | 1 pts/₹150 | 3 pts/₹100 |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IDBI Euphoria World | Not specified | ₹0.25 |
| Point validity Only available for IDBI Euphoria World | Not specified | 3 years |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.