Which card has the lower annual fee?

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

Which card earns more on moderate spend?

SBI Card PRIME leads with an estimated ₹1,501/yr net annual value on moderate spend.

Which card has the lower income requirement?

Axis IOCL Credit Card lists a minimum monthly income of ₹25,000.

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 IOCL Credit Card vs SBI Card PRIME

Honest side-by-side comparison of American Express Gold Card, Axis IOCL Credit Card, SBI Card PRIME — 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, SBI Card PRIME ranks first for estimated net annual value — ahead of Axis IOCL Credit Card by about ₹135/yr.

American Express Gold Card vs Axis IOCL Credit Card vs SBI Card PRIME comparison table
Feature	American Express Gold Card American Express	Axis IOCL Credit Card Axis Bank	SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹4,500	₹500	₹2,999
Fee waiver threshold	No waiver published	No waiver published	₹5,00,000/yr
Min income	₹60,000/mo	₹25,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹570/yr	₹1,366/yr	₹1,501/yr
Groceries (offline)	—	6 pts per ₹150 spend → ₹48/mo (₹576/yr)	—
Dining & delivery	4 pts per ₹150 spend → ₹53/mo (₹640/yr)	—	—
Fuel	—	30 pts per ₹150 spend → ₹160/mo (₹1,920/yr)	—
Travel	—	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	4X Membership Rewards/₹150	20 Edge Miles/₹100	4X reward points
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	Non-IOCL fuel · EMI · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹4,000	—	₹3,000

Frequently asked questions

Which card has the lower annual fee?: Axis IOCL Credit Card has the lowest annual fee at ₹500.
Which card earns more on moderate spend?: SBI Card PRIME leads with an estimated ₹1,501/yr net annual value on moderate spend.
Which card has the lower income requirement?: Axis IOCL Credit Card lists a minimum monthly income of ₹25,000.
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 IOCL Credit Card

Axis Bank

Card 3

SBI Card PRIME

SBI Card

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 IOCL Credit Card •••• •••• •••• 4242 Quick facts Axis IOCL Credit Card Top reward20 Edge Miles/₹100 Annual fee₹500 Min income₹25,000/mo Tap to flip back Axis IOCL Credit Card Axis Bank	SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card
Fees & eligibility
Annual fee	₹4,500	₹500	₹2,999
Fee waiver threshold	No waiver published	No waiver published	₹5,00,000/yr
Min income	₹60,000/mo	₹25,000/mo	₹45,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹570/yr	₹1,366/yr	₹1,501/yr
Groceries (offline)	—	6 pts per ₹150 spend → ₹48/mo (₹576/yr)	—
Dining & delivery	4 pts per ₹150 spend → ₹53/mo (₹640/yr)	—	—
Fuel	—	30 pts per ₹150 spend → ₹160/mo (₹1,920/yr)	—
Travel	—	—	6 pts per ₹150 spend → ₹50/mo (₹600/yr)
Top reward rate	4X Membership Rewards/₹150	20 Edge Miles/₹100	4X reward points
Primary reward cap	No monthly cap published	₹5,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Domestic lounge visits per year — verify count
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Insurance	Non-IOCL fuel · EMI · Rent	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	₹4,000	—	₹3,000

American Express Gold Card details →Axis IOCL Credit Card details →SBI Card PRIME 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