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AU LIT Credit Card vs Axis IOCL Credit Card

Honest side-by-side comparison of AU LIT Credit Card, Axis IOCL Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.

Same spend profile for all cards. How we calculate net annual value

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Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

AU LIT Credit Card

AU Small Finance Bank

Axis IOCL Credit Card

Axis Bank

Your adjusted comparison

Feature
AU LIT Credit Card

AU LIT Credit Card

AU Small Finance Bank

Axis IOCL Credit Card

Axis IOCL Credit Card

Axis Bank

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeNo waiver published
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹220/yr₹910/yr
Online shopping₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)—
Groceries (offline)—₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr)
Fuel—₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo
Top reward rate1–2 RP/₹15020 Edge Miles/₹100
Primary reward capNo monthly cap published₹5,000 eligible spend/mo
Perks & restrictions
Lounge accessOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNon-IOCL fuel · EMI · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹1,450/yr combined NAV (₹540 vs best solo). Both annual fees apply.

AU LIT Credit Card details →Axis IOCL Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis IOCL Credit Card leads AU LIT Credit Card by about ₹690/yr in estimated net value.

Spend assumptions for this table

Moderate user spend profile · ₹31,000/mo

₹31,000/month total spend — typical India user

Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500

AU LIT Credit Card vs Axis IOCL Credit Card comparison table
FeatureAU LIT Credit Card

AU Small Finance Bank

Axis IOCL Credit Card

Axis Bank

Fees & eligibility
Annual feeLifetime free₹500
Fee waiver thresholdLifetime freeNo waiver published
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹220/yr₹910/yr
Online shopping₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr)—
Groceries (offline)—₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr)
Fuel—₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo
Top reward rate1–2 RP/₹15020 Edge Miles/₹100
Primary reward capNo monthly cap published₹5,000 eligible spend/mo
Perks & restrictions
Lounge accessOptional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge accessNone
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · RentNon-IOCL fuel · EMI · Rent
Bonuses
Signup bonus——

Frequently asked questions

Which card has the lower annual fee?
AU LIT Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?
Axis IOCL Credit Card leads with an estimated ₹910/yr net annual value on moderate spend.
Which card has the lower income requirement?
AU LIT 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.

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