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?

Axis Bank Magnus Credit Card leads with an estimated ₹20,076/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

Axis IOCL Credit Card vs Axis Bank Magnus Credit Card vs Axis Bank Privilege Credit Card

Honest side-by-side comparison of Axis IOCL Credit Card, Axis Bank Magnus Credit Card, Axis Bank Privilege 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, Axis Bank Magnus Credit Card ranks first for estimated net annual value — ahead of Axis Bank Privilege Credit Card by about ₹7,545/yr.

Axis IOCL Credit Card vs Axis Bank Magnus Credit Card vs Axis Bank Privilege Credit Card comparison table
Feature	Axis IOCL Credit Card Axis Bank	Axis Bank Magnus Credit Card Axis Bank	Axis Bank Privilege Credit Card Axis Bank
Annual fee	₹500	₹12,500	₹1,500
Min income (monthly)	₹25,000	₹1,00,000	₹35,000
Top reward rate	20 Edge Miles/₹100	12 Edge Miles/₹200	2 EDGE miles/₹150
Net annual value (moderate spend)	₹1,366/yr	₹20,076/yr	₹12,531/yr
Secured / FD-backed	No	No	No
Signup bonus	—	₹25,000	₹12,500

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?: Axis Bank Magnus Credit Card leads with an estimated ₹20,076/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	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	Axis BankMetal Axis Bank Magnus Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Magnus Credit Card Top reward12 Edge Miles/₹200 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Magnus Credit Card Axis Bank	Axis BankPlatinum Axis Bank Privilege Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Privilege Credit Card Top reward2 EDGE miles/₹150 Annual fee₹1,500 Min income₹35,000/mo Tap to flip back Axis Bank Privilege Credit Card Axis Bank
Annual fee	₹500	₹12,500	₹1,500
Min income	₹25,000	₹1,00,000	₹35,000
Top reward rate	20 Edge Miles/₹100	12 Edge Miles/₹200	2 EDGE miles/₹150
Net value (moderate)	₹1,366/yr	₹20,076/yr	₹12,531/yr
Secured / no bureau	Standard	Standard	Standard
Signup bonus	—	₹25,000	₹12,500

Axis IOCL Credit Card details →Axis Bank Magnus Credit Card details →Axis Bank Privilege Credit Card details →

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

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