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?

HSBC Cashback Credit Card leads with an estimated ₹7,941/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

Amex Membership Rewards CC vs Axis IOCL Credit Card vs HSBC Cashback Credit Card

Honest side-by-side comparison of Amex Membership Rewards CC, Axis IOCL Credit Card, HSBC Cashback 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, HSBC Cashback Credit Card ranks first for estimated net annual value — ahead of Axis IOCL Credit Card by about ₹6,575/yr.

Amex Membership Rewards CC vs Axis IOCL Credit Card vs HSBC Cashback Credit Card comparison table
Feature	Amex Membership Rewards CC American Express	Axis IOCL Credit Card Axis Bank	HSBC Cashback Credit Card HSBC
Annual fee	₹4,500	₹500	₹999
Min income (monthly)	₹60,000	₹25,000	₹40,000
Top reward rate	2 RP/₹150	20 Edge Miles/₹100	10%
Net annual value (moderate spend)	₹822/yr	₹1,366/yr	₹7,941/yr
Secured / FD-backed	No	No	No
Signup bonus	₹4,000	—	—

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?: HSBC Cashback Credit Card leads with an estimated ₹7,941/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.

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Your adjusted comparison

Feature	American ExpressPlatinum Amex Membership Rewards CC •••• •••• •••• 4242 Quick facts Amex Membership Rewards CC Top reward2 RP/₹150 Annual fee₹4,500 Min income₹60,000/mo Tap to flip back Amex Membership Rewards CC 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	HSBCGold HSBC Cashback Credit Card •••• •••• •••• 4242 Quick facts HSBC Cashback Credit Card Top reward10% Annual fee₹999 Min income₹40,000/mo Tap to flip back HSBC Cashback Credit Card HSBC
Annual fee	₹4,500	₹500	₹999
Min income	₹60,000	₹25,000	₹40,000
Top reward rate	2 RP/₹150	20 Edge Miles/₹100	10%
Net value (moderate)	₹822/yr	₹1,366/yr	₹7,941/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	₹4,000	—	—

Amex Membership Rewards CC details →Axis IOCL Credit Card details →HSBC Cashback Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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