Which card has the lower annual fee?

Axis Bank Airtel Credit Card has the lowest annual fee at ₹500.

Which card earns more on moderate spend?

Axis Bank Airtel Credit Card leads with an estimated ₹8,070/yr net annual value on moderate spend.

Which card has the lower income requirement?

Axis Bank Airtel Credit Card lists a minimum monthly income of ₹20,000.

Does this comparison pull my credit score?

No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Side-by-side · honest numbers

American Express Gold Card vs Axis Bank Airtel Credit Card

Honest side-by-side comparison of American Express Gold Card, Axis Bank Airtel Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank Airtel Credit Card leads American Express Gold Card by about ₹7,500/yr in estimated net value.

American Express Gold Card vs Axis Bank Airtel Credit Card comparison table
Feature	American Express Gold Card American Express	Axis Bank Airtel Credit Card Axis Bank
Fees & eligibility
Annual fee	₹4,500	₹500
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹60,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹570/yr	₹8,070/yr
Dining & delivery	4 pts per ₹150 spend → ₹53/mo (₹640/yr)	10% cashback → ₹250/mo (₹3,000/yr) (cap hit)
Utilities & bills	—	25% cashback → ₹250/mo (₹3,000/yr) (cap hit)
Top reward rate	4X Membership Rewards/₹150	25%
Primary reward cap	No monthly cap published	₹250 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	EMI · Fuel · Rent · Wallet · Government
Bonuses
Signup bonus	₹4,000	—

Frequently asked questions

Which card has the lower annual fee?: Axis Bank Airtel Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: Axis Bank Airtel Credit Card leads with an estimated ₹8,070/yr net annual value on moderate spend.
Which card has the lower income requirement?: Axis Bank Airtel Credit Card lists a minimum monthly income of ₹20,000.
Does this comparison pull my credit score?: No. CardHungry estimates net value from public fee and reward rules only — no bureau check.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

American Express Gold Card

American Express

Card 2

Axis Bank Airtel Credit Card

Axis Bank

Your adjusted comparison

Feature	American ExpressGold American Express Gold Card •••• •••• •••• 4242 Quick facts American Express Gold Card Top reward4X Membership Rewards/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back American Express Gold Card American Express	Axis BankGold Axis Bank Airtel Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Airtel Credit Card Top reward25% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank Airtel Credit Card Axis Bank
Fees & eligibility
Annual fee	₹4,500	₹500
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹60,000/mo	₹20,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹570/yr	₹8,070/yr
Dining & delivery	4 pts per ₹150 spend → ₹53/mo (₹640/yr)	10% cashback → ₹250/mo (₹3,000/yr) (cap hit)
Utilities & bills	—	25% cashback → ₹250/mo (₹3,000/yr) (cap hit)
Top reward rate	4X Membership Rewards/₹150	25%
Primary reward cap	No monthly cap published	₹250 rewards/mo cap
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	EMI · Fuel · Rent · Wallet · Government
Bonuses
Signup bonus	₹4,000	—

American Express Gold Card details →Axis Bank Airtel Credit Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More American Express Gold Card comparisons