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 ₹6,468/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

Axis Bank Airtel Credit Card vs ICICI Coral Credit Card

Honest side-by-side comparison of Axis Bank Airtel Credit Card, ICICI Coral 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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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.

Card 1

Axis Bank Airtel Credit Card

Axis Bank

Card 2

ICICI Coral Credit Card

ICICI Bank

Your adjusted comparison

Feature	Axis Bank Airtel Credit Card Axis Bank	ICICI Coral Credit Card ICICI Bank
Fees & eligibility
Annual fee	₹500	₹500
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,50,000/yr spend
Min income	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹6,468/yr	₹915/yr
Dining & delivery	₹1,050 × 10% = ₹105/mo (₹1,260/yr) · issuer max ₹250/mo	—
Utilities & bills	₹1,050 × 25% = ₹250/mo (₹3,000/yr) · cap reached	₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr)
Top reward rate	25%	2 RP/₹100
Primary reward cap	₹250 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	4 railway lounge visits per year + 1 domestic airport lounge visit per quarter · Airport lounge needs ₹75,000 spend in the previous quarter; railway lounge has no spend gate
UPI rewards	Earns: 1% cashback on eligible UPI payments (RuPay variant) · cap Per Axis MITC	Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹7,620/yr combined NAV (₹1,152 vs best solo). Both annual fees apply.

Axis Bank Airtel Credit Card details →ICICI Coral Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank Airtel Credit Card leads ICICI Coral Credit Card by about ₹5,553/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 ICICI Coral Credit Card comparison table
Feature	Axis Bank Airtel Credit Card Axis Bank	ICICI Coral Credit Card ICICI Bank
Fees & eligibility
Annual fee	₹500	₹500
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,50,000/yr spend
Min income	₹20,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹6,468/yr	₹915/yr
Dining & delivery	₹1,050 × 10% = ₹105/mo (₹1,260/yr) · issuer max ₹250/mo	—
Utilities & bills	₹1,050 × 25% = ₹250/mo (₹3,000/yr) · cap reached	₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr)
Top reward rate	25%	2 RP/₹100
Primary reward cap	₹250 rewards/mo cap	No monthly cap published
Perks & restrictions
Lounge access	None	4 railway lounge visits per year + 1 domestic airport lounge visit per quarter · Airport lounge needs ₹75,000 spend in the previous quarter; railway lounge has no spend gate
UPI rewards	Earns: 1% cashback on eligible UPI payments (RuPay variant) · cap Per Axis MITC	Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC
Key exclusions	EMI · Fuel · Rent · Wallet · Government	EMI · Fuel · 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 ₹6,468/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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