CardHungry

Side-by-side · honest numbers

Axis Bank Airtel Credit Card vs Axis IOCL Credit Card

Honest side-by-side comparison of Axis Bank Airtel 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

Customize your spend

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

Spend assumptions

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

Axis Bank Airtel Credit Card

Axis Bank

Axis IOCL Credit Card

Axis Bank

Your adjusted comparison

Feature
Axis Bank Airtel Credit Card

Axis Bank Airtel Credit Card

Axis Bank

Axis IOCL Credit Card

Axis IOCL Credit Card

Axis Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,040/yr₹910/yr
Groceries (offline)—₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr)
Dining & delivery₹3,500 × 10% = ₹250/mo (₹3,000/yr) · cap reached—
Fuel—₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo
Top reward rate25%20 Edge Miles/₹100
Primary reward cap₹250 rewards/mo cap₹5,000 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · GovernmentNon-IOCL fuel · EMI · Rent
Bonuses
Signup bonus——

Stack mode (hold both)

Cap-aware split: ~₹8,470/yr combined NAV (₹3,430 vs best solo). Both annual fees apply.

Axis Bank Airtel Credit Card details →Axis IOCL Credit Card details →

Share this comparison

https://cardhungry.com/in/en/compare/axis-airtel-vs-axis-iocl

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank Airtel Credit Card leads Axis IOCL Credit Card by about ₹4,130/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

Axis Bank Airtel Credit Card vs Axis IOCL Credit Card comparison table
FeatureAxis Bank Airtel Credit Card

Axis Bank

Axis IOCL Credit Card

Axis Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdWaived at ₹2,00,000/yr spendNo waiver published
Min income₹20,000/mo₹25,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹5,040/yr₹910/yr
Groceries (offline)—₹5,000 → 200 pts/mo × ₹0.20/pt = ₹40/mo (₹480/yr)
Dining & delivery₹3,500 × 10% = ₹250/mo (₹3,000/yr) · cap reached—
Fuel—₹3,000 → 600 pts/mo × ₹0.20/pt = ₹120/mo (₹1,440/yr) · issuer max ₹5,000/mo
Top reward rate25%20 Edge Miles/₹100
Primary reward cap₹250 rewards/mo cap₹5,000 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsEMI · Fuel · Rent · Wallet · GovernmentNon-IOCL fuel · EMI · Rent
Bonuses
Signup bonus——

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 ₹5,040/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.

More Axis Bank Airtel Credit Card comparisons