- 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 Kotak Mahindra Bank Mojo Platinum Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndianOil Axis Bank Premium RuPay and the Kotak Mahindra Bank Mojo Platinum. 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 ₹1,000 Waivable at ₹1,00,000 spend
- Forex markup 3.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter
Reward earning explained
Per card6 EDGE Miles / ₹150 on IndianOil (domestic) + 1 EDGE Miles / ₹150 on General sp…
2.5 pts / ₹100 on Online shopping (online only) + 1 pt / ₹100 on General spend
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 Kotak Mahindra Bank Mojo Platinum: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (2/quarter vs 2/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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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:
- IndianOil Axis Bank Premium: Base earn not clearly specified
- Kotak Mojo Platinum: 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 | Mojo Platinum Kotak Mahindra Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/quarter |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Annual fee | ₹1,000 | ₹1,000 |
| Joining fee | ₹1,000 | ₹1,000 |
| Fee waiver spend ₹30,000 vs ₹1,00,000 | ₹30,000 | ₹1,00,000 |
| Interest-free period Up to 50 days vs Up to 51 days | Up to 50 days | Up to 51 days |
| Rewards | ||
| Reward points (base spend) 1 pts/₹150 vs 1 pts/₹100 | 1 pts/₹150 | 1 pts/₹100 |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.