Side-by-side · honest numbers
Axis Bank Airtel Credit Card vs IndusInd Bank Pinnacle Credit Card vs SBI Card MILES
Honest side-by-side comparison of Axis Bank Airtel Credit Card, IndusInd Bank Pinnacle Credit Card, SBI Card MILES — 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, Axis Bank Airtel Credit Card ranks first for estimated net annual value — ahead of SBI Card MILES by about ₹4,780/yr.
| Feature | Axis Bank Airtel Credit Card Axis Bank | IndusInd Bank Pinnacle Credit Card IndusInd Bank | SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹10,000 | ₹1,499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Waived at ₹3,00,000/yr spend |
| Min income | ₹20,000/mo | ₹75,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,070/yr | -₹7,075/yr | ₹3,290/yr |
| Dining & delivery | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Utilities & bills | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Top reward rate | 25% | 3X points/₹150 | 6X reward points |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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 ₹8,070/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
Change spend profile or swap cards — results update live below.
Axis Bank Airtel Credit Card
Axis Bank
IndusInd Bank Pinnacle Credit Card
IndusInd Bank
SBI Card MILES
SBI Card
Your adjusted comparison
| Feature | Axis BankGold Axis Bank Airtel Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Airtel Credit Card Top reward25% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank Airtel Credit Card Axis Bank | IndusInd BankPlatinum IndusInd Bank Pinnacle Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Pinnacle Credit Card Top reward3X points/₹150 Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Pinnacle Credit Card IndusInd Bank | SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹10,000 | ₹1,499 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | No waiver published | Waived at ₹3,00,000/yr spend |
| Min income | ₹20,000/mo | ₹75,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,070/yr | -₹7,075/yr | ₹3,290/yr |
| Dining & delivery | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Travel | — | 3 pts per ₹150 spend → ₹75/mo (₹900/yr) | 9 pts per ₹150 spend → ₹75/mo (₹900/yr) |
| Utilities & bills | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Top reward rate | 25% | 3X points/₹150 | 6X reward points |
| Primary reward cap | ₹250 rewards/mo cap | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic lounge access · No quarterly spend gate stated — complimentary with Pinnacle tier | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹2,000 |
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https://cardhungry.com/in/en/compare/axis-airtel-vs-indusind-pinnacle-vs-sbi-card-milesMore Axis Bank Airtel Credit Card comparisons
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