Side-by-side · honest numbers
Axis IOCL Credit Card vs Axis Bank Neo Credit Card
Honest side-by-side comparison of Axis IOCL Credit Card, Axis Bank Neo 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.
Axis IOCL Credit Card
Axis Bank
Axis Bank Neo Credit Card
Axis Bank
Your adjusted comparison
| Feature | Axis IOCL Credit Card Axis Bank | Axis Bank Neo Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹25,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹910/yr | ₹1,020/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 rate | 20 Edge Miles/₹100 | 10% off |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹2,050/yr combined NAV (₹1,030 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/axis-iocl-vs-axis-neoReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Neo Credit Card leads Axis IOCL Credit Card by about ₹110/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
| Feature | Axis IOCL Credit Card Axis Bank | Axis Bank Neo Credit Card Axis Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹25,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹910/yr | ₹1,020/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 rate | 20 Edge Miles/₹100 | 10% off |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank Neo Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Neo Credit Card leads with an estimated ₹1,020/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Neo Credit Card lists a minimum monthly income of ₹15,000.
- 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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