Axis Bank IOCL Premium Credit Card: Fuel Your Savings with Premium Benefits
Namaste dosto! Aaj hum baat karenge "Axis Bank IOCL Premium Credit Card" ke baare mein, jo ek shandaar co-branded credit card hai, specially designed for fuel lovers aur frequent travelers. Agar aap har mahine IOCL fuel stations pe fuel bharte hain ya apni daily expenses mein smart savings chahte hain, toh yeh card aapke liye perfect ho sakta hai. Is article mein hum is card ke benefits, application process, eligibility, aur bhi kaafi kuch cover karenge, toh poora padhiye aur apna decision smartly lijiye!
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Kya Hai Axis Bank IOCL Premium Credit Card?
Axis Bank aur Indian Oil Corporation Limited (IOCL) ke collaboration se bana yeh credit card ek premium offering hai jo fuel savings ke saath-saath travel aur dining benefits bhi deta hai. Yeh card un logon ke liye perfect hai jo IOCL fuel stations pe regularly fuel kharidte hain aur apne daily spends pe rewards earn karna chahte hain. Isme "EDGE Miles" reward system hai, jo aapko flexible redemption options deta hai, jaise fuel, flights, ya hotels ke liye.
Key Features of Axis Bank IOCL Premium Credit Card
Fuel Benefits: Har Rs. 150 ke fuel spend pe 6 EDGE Miles (5% value-back, including 4% rewards aur 1% fuel surcharge waiver) at IOCL outlets.
Unlimited Fuel Surcharge Waiver: 1% fuel surcharge waiver on all IOCL fuel transactions, with no upper cap.
Lounge Access: 8 complimentary domestic airport lounge visits per year (2 per quarter, subject to Rs. 50,000 spend in the last 3 months).
Dining Discounts: 30% off (up to Rs. 150) on Zomato orders (twice monthly, min. spend Rs. 200) aur 25% off (up to Rs. 800) via EazyDiner.
Welcome Bonus: 500 EDGE Miles on your first transaction within 30 days of card issuance.
Annual Fee Waiver: Spend Rs. 1 lakh annually to waive the Rs. 1,000 annual fee.
Grocery Rewards: 2 EDGE Miles per Rs. 150 spent on grocery and supermarket shopping (up to Rs. 5,000/month).
Flexible Redemption: Redeem EDGE Miles for fuel, travel bookings (15+ partner airlines/hotels), or at Axis Bank’s Travel EDGE portal.
Yeh card unke liye ekdum mast hai jo fuel ke saath daily spends pe bhi rewards chahte hain. Ab chaliye dekhte hain iske benefits ko detail mein.
Why Choose Axis Bank IOCL Premium Credit Card?
Agar aap soch rahe hain ki yeh card kyun lena chahiye, toh yeh raha iska jawab:
Fuel Pe Bachat: 5% value-back (4% EDGE Miles + 1% surcharge waiver) on IOCL fuel spends, jo ki kaafi attractive hai for regular drivers.
Travel Perks: 8 domestic lounge visits per year make it great for frequent flyers. Plus, EDGE Miles ko flights ya hotels ke liye redeem kar sakte hain.
Daily Spends Pe Rewards: Grocery aur online shopping pe bhi rewards milte hain, jo daily expenses ko aur bhi rewarding banata hai.
Zomato aur EazyDiner Offers: Foodies ke liye yeh card dining aur food delivery pe discounts deta hai, jo har mahine savings add karta hai.
Low Fee, High Value: Rs. 1,000 joining/annual fee, jo easily waived ho sakti hai with Rs. 1 lakh annual spend.
Yeh card ek all-in-one package hai jo fuel, travel, aur dining ke shauqeeno ke liye banaya gaya hai.
How to Apply for Axis Bank IOCL Premium Credit Card?
Axis Bank IOCL Premium Credit Card ke liye apply karna bilkul aasaan hai. Bas yeh steps follow kijiye:
1. Visit Axis Bank Website: Axis Bank ke official website (www.axisbank.com) pe jaiye aur “Credit Cards” section mein IOCL Premium Credit Card select kijiye.
2. Fill Application Form: Apna basic details jaise name, contact number, aur income details fill kijiye.
3. Submit Documents: Required documents upload kijiye (details neeche diya gaya hai).
4. Verification Process: Axis Bank aapki application aur documents verify karega. Agar eligible honge, toh card approval ke baad aapke address pe deliver ho jayega.
5. Activate Card: Card milne ke baad, Axis Bank mobile app ya net banking se activate kijiye aur first transaction ke saath 500 EDGE Miles ka welcome bonus enjoy kijiye!
Online application ke alawa, aap Axis Bank branch visit karke bhi apply kar sakte hain.
Important Documents Required
Card ke liye apply karte waqt aapko yeh documents ready rakhne honge:
- Identity Proof: Aadhaar Card, PAN Card, Passport, ya Voter ID.
- Address Proof: Aadhaar Card, Passport, Utility Bill, ya Ration Card.
- Income Proof: Latest salary slips, ITR, ya bank statements (salaried ya self-employed ke liye).
- Photograph: Recent passport-size photo.
Note: Axis Bank additional documents maang sakta hai, depending on your profile.
Eligibility Criteria for Axis Bank IOCL Premium Credit Card
Yeh card lene ke liye aapko yeh eligibility criteria meet karna hoga:
- Age: Primary cardholder ke liye 18-70 years aur add-on cardholder ke liye minimum 18 years.
- Residency: Applicant ko India ka resident hona chahiye.
- Income: Salaried individuals ke liye minimum income Rs. 25,000/month (approx.) aur self-employed ke liye stable income proof chahiye.
- Credit Score: Ek accha credit score (750+) approval chances badhata hai.
Bank final approval ke liye apna discretion use karta hai, so ensure your financial profile is strong.
Additional Benefits to Know
Is card ke aur bhi kaafi benefits hain jo aapke lifestyle ko enhance karenge:
Reward Redemption Flexibility: EDGE Miles ko IOCL fuel stations, Travel EDGE portal, ya partner airlines/hotels ke liye redeem kar sakte hain. Conversion ratio for IOCL rewards is 3:10, jo kaafi rewarding hai.
No Upper Cap on Fuel Surcharge Waiver: Unlike other cards, yeh card unlimited 1% fuel surcharge waiver deta hai, jo high fuel spenders ke liye awesome hai.
Movie Discounts: BookMyShow pe movie tickets pe instant discounts bhi available hain.
Secure Transactions: Visa-powered card hone ke wajah se yeh secure aur widely accepted hai.
Things to Keep in Mind
Fuel Station Issue: Kuch users ne complain kiya hai ki IOCL outlets pe rewards ya surcharge waiver nahi milta, kyunki sabhi outlets Axis ke system mein properly tagged nahi hote. Isliye, swipe karne se pehle confirm kar lijiye.
Lounge Access Condition: Lounge access ke liye last 3 months mein Rs. 50,000 spend karna zaroori hai.
Zomato Offer Glitches: Migrated Citi cardholders ne Zomato discount ke saath issues report kiye hain. Coupon code “AXISIOCL” manually enter karna pad sakta hai.
FAQs About Axis Bank IOCL Premium Credit Card
Q1: What is the annual fee for the Axis Bank IOCL Premium Credit Card?
Ans: The joining and annual fee is Rs. 1,000 + GST, but it can be waived if you spend Rs. 1 lakh in a year.
Q2: Can I use this card for non-fuel spends?
Ans: Haan bilkul! You earn 2 EDGE Miles per Rs. 150 on groceries and 1 EDGE Mile per Rs. 150 on other eligible spends. It’s great for daily expenses.
Q3: How can I redeem EDGE Miles?
Ans: EDGE Miles ko IOCL fuel stations, Travel EDGE portal, ya 15+ partner airlines/hotels ke liye redeem kar sakte hain. Fuel redemption ka ratio 3:10 hai.
Q4: Is lounge access available with this card?
Ans: Yes, you get 8 complimentary domestic lounge visits per year (max 2 per quarter), provided you spend Rs. 50,000 in the last 3 months.
Q5: Is this card better than the regular IOCL Axis Bank Credit Card?
Ans: Premium card higher fuel spend cap (Rs. 15,000 vs. Rs. 5,000), lounge access, aur better dining offers deta hai, lekin annual fee bhi higher hai (Rs. 1,000 vs. Rs. 500). Agar aapka fuel spend zyada hai, toh premium card better hai.
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Why This Card Stands Out?
Mujhe personally yeh card isliye pasand hai kyunki yeh fuel savings ke saath travel aur dining perks ka perfect balance deta hai. Agar aap IOCL stations pe regularly fuel bharte hain aur saath mein Zomato ya EazyDiner se food order karte hain, toh yeh card aapke wallet mein hona chahiye. Plus, EDGE Miles ka flexible redemption option isko aur bhi attractive banata hai.
Toh dosto, kya aap is card ke liye apply karne ka soch rahe hain? Ya koi aur card pasand hai? Comment mein batayein aur apne thoughts share kijiye! Aur haan, apply karne se pehle terms and conditions zaroor check kar lijiye on Axis Bank’s website (www.axisbank.com).
Happy saving aur happy spending! 🚗💳
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