- 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
Compare 3+ cards →
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.
Quick comparison
Three core metrics- Annual fee ₹899 Waivable at ₹90,000 spend
- Forex markup 3.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹2 spend in the calendar quarter
Reward earning explained
Per card6 EDGE Miles / ₹150 on IndianOil (domestic) + 1 EDGE Miles / ₹150 on General sp…
2 pts / ₹100 on General spend (2 Delight Points for every Rs. 100 spent; exclud…
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 Winnings RuPay Select: ₹899), forex markup (3.5% vs 3.5%), or lounge access (2/quarter vs 2/quarter).
-
Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
-
Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
-
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:
- IDBI Winnings RuPay Select: ~₹250/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 | Winnings RuPay Select IDBI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/quarter |
| International lounge visits Only available for IDBI Winnings RuPay Select | Not specified | 2/year |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee ₹1,000 vs ₹899 | ₹1,000 | ₹899 |
| Joining fee ₹1,000 vs ₹0 | ₹1,000 | ₹0 |
| Fee waiver spend ₹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 |
| Rewards | ||
| Reward points (base spend) 1 pts/₹150 vs 2 pts/₹100 | 1 pts/₹150 | 2 pts/₹100 |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for IDBI Winnings RuPay Select | Not specified | ₹0.25 |
| Point validity Only available for IDBI Winnings RuPay Select | Not specified | 3 years |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.