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 IDBI Bank Winnings RuPay Select Credit Cards – Fees, Lounge, Forex
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
VerdictNo decisive winner on the core dimensions — the head-to-head below shows where the small differences are.
Head-to-head
Three core metrics- Annual fee Winnings RuPay Select saves ₹101/yrIndianOil Axis Bank Premium RuPay ₹1,000 Waivable at ₹30,000 spendWinnings RuPay Select ₹899 Waivable at ₹90,000 spend
- Forex markup IndianOil Axis Bank Premium RuPay 3.5%Winnings RuPay Select 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 monthsWinnings RuPay Select 8/year (2 per quarter)
Reward earning explained
Per card2 pts / ₹100
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 IDBI Bank Winnings RuPay Select: ₹899), 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 Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank IndianOil Axis Bank Premium RuPay conservative base value ~0.6666666666666666% per ₹100. IDBI Bank Winnings RuPay Select is not safely INR-comparable (no usable point value).
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upi Tie Both cards are similar for UPI usage
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
- IDBI Winnings RuPay Select: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | IndianOil Axis Bank Premium RuPay Axis Bank | Winnings RuPay Select IDBI Bank |
|---|---|---|
| Insurance — Air accident cover Only available for IDBI Winnings RuPay Select | Not specified | ₹10 lakh |
| 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 |
| Fuel benefit 1% surcharge waiver vs 1% surcharge waiver · ₹400–₹4,000 transactions | 1% surcharge waiver | 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 |
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