1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo
Strong data Pairwise comparison
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Axis Bank IndiGo vs HDFC Bank IndianOil Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndiGo and the HDFC Bank IndianOil. 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 IndianOil saves ₹299/yrIndiGo ₹799 Annual-fee waiver not offeredIndianOil ₹500 Waivable at ₹50,000 spend
- Forex markup IndiGo 3.5%IndianOil 3.5%
- Domestic lounge IndiGo 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsIndianOil Lounge access not verified
Reward earning explained
Per card1 Fuel Points / ₹150
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs HDFC Bank IndianOil: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs Lounge access not verified).
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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 1 per quarter. No verified lounge entitlement or explicit no-lounge evidence on file.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). HDFC Bank IndianOil conservative base value ~0.13333333333333333% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- IndianOil HDFC Bank: ~₹70/month at base rate
- IndiGo Axis Bank: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | IndiGo Axis Bank | IndianOil HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Only available for IndiGo Axis Bank | 4/year (1 per quarter) | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹799 vs ₹500 | ₹799 | ₹500 |
| Annual-fee waiver Not offered vs ₹50,000 | Not offered | ₹50,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for IndianOil HDFC Bank | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn Some reward lanes are unsupported — base rate only for comparison. 1 pt / ₹100 vs 1 Fuel Points / ₹150 | 1 pt / ₹100 | 1 Fuel Points / ₹150 |
| Conservative base value Not safely INR-comparable vs ~0.1% | Not safely INR-comparable | ~0.1% |
| Earn ceiling 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend vs 150 Fuel Points per month; at 5%, this lane reaches the cap at ₹3,000 of eligible spend | 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend | 150 Fuel Points per month; at 5%, this lane reaches the cap at ₹3,000 of eligible spend |
| Point value (headline channel) Fuel redemption value at the pump or issuer fuel channel — not a universal cashback rate. Only available for IndianOil HDFC Bank | Not specified | ₹0.96 |
| Point validity Only available for IndianOil HDFC Bank | Not specified | 2 years |
Notes
- IndiGo Axis Bank 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 IndiGo
Verify with issuer , opens external siteHDFC Bank IndianOil
Verify with issuer , opens external site