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 IDBI Winnings RuPay Select
Side-by-side comparison of the Axis Bank IndianOil Axis Bank Premium RuPay and the IDBI Bank Winnings RuPay Select. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Winnings RuPay Select costs ₹101 less a year but waives only at ₹90,000 spend, IndianOil Axis Bank Premium RuPay at ₹30,000.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹101/yr apart · waiver gates differIndianOil Axis Bank Premium RuPay ₹1,000 Waivable at ₹30,000 spendWinnings RuPay Select ₹899 Waivable at ₹90,000 spend
- Forex markup Forex markup outcome: tie. IndianOil Axis Bank Premium RuPay 3.5%Winnings RuPay Select 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 monthsWinnings RuPay Select 8/year (2 per quarter)
- Rewards Rewards outcome: insufficient data to compare. conservative base valueIndianOil Axis Bank Premium RuPay ~0.7%Winnings RuPay Select Not safely INR-comparable
- UPI payments UPI payments outcome: tie. IndianOil Axis Bank Premium RuPay Supports UPIWinnings RuPay Select Supports UPI
Reward earning explained
2 pts / ₹100
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- IndianOil Axis Bank Premium: ~₹330/month at base rate
- IDBI Winnings RuPay Select: Base earn not clearly specified
Illustrative only, using current base rates before caps.
All fields
| Field | IndianOil Axis Bank Premium RuPay Axis Bank | Winnings RuPay Select IDBI 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 Not included vs 4 per year | No international lounge access | 4 per year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,000 vs ₹899 | ₹1,000 | ₹899 |
| Annual-fee waiver ₹30,000 vs ₹90,000 | ₹30,000 | ₹90,000 |
| 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 vs 3.4% / month | 3.75% / month | 3.4% / month |
| Late-payment charge ₹500–₹1,300 depending on outstanding balance vs ₹950 depending on outstanding balance | ₹500–₹1,300 depending on outstanding balance | ₹950 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400+ transactions vs 1% surcharge waiver · ₹400–₹4,000 transactions | 1% surcharge waiver · ₹400+ transactions | 1% surcharge waiver · ₹400–₹4,000 transactions |
| Rewards | ||
| Base earn 1 EDGE Miles / ₹150 vs 2 pts / ₹100 | 1 EDGE Miles / ₹150 | 2 pts / ₹100 |
| Conservative base value ~0.7% vs Not safely INR-comparable | ~0.7% | Not safely INR-comparable |
| 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) Fuel redemption value at the pump or issuer fuel channel — not a universal cashback rate. Only available for IndianOil Axis Bank Premium | ₹1 | Not specified |
| Point validity Only available for IDBI Winnings RuPay Select | Not specified | 3 years |
| Insurance — Air accident cover Only available for IDBI Winnings RuPay Select | Not specified | ₹10 lakh |
Notes
- IndianOil Axis Bank Premium Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- 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 siteIDBI Bank Winnings RuPay Select
Verify with issuer , opens external site