Side-by-side · honest numbers
Axis IOCL Credit Card vs Axis Bank Neo Credit Card vs ICICI Bank MakeMyTrip Credit Card
Honest side-by-side comparison of Axis IOCL Credit Card, Axis Bank Neo Credit Card, ICICI Bank MakeMyTrip 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, ICICI Bank MakeMyTrip Credit Card ranks first for estimated net annual value — ahead of Axis Bank Neo Credit Card by about ₹2,100/yr.
| Feature | Axis IOCL Credit Card Axis Bank | Axis Bank Neo Credit Card Axis Bank | ICICI Bank MakeMyTrip Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹999 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹25,000/mo | ₹15,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,366/yr | ₹1,800/yr | ₹3,900/yr |
| Online shopping | — | 1% cashback → ₹100/mo (₹1,200/yr) | — |
| Groceries (offline) | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) |
| Top reward rate | 20 Edge Miles/₹100 | 10% off | 10X reward points |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹1,500 |
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?
- ICICI Bank MakeMyTrip Credit Card leads with an estimated ₹3,900/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.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis IOCL Credit Card
Axis Bank
Axis Bank Neo Credit Card
Axis Bank
ICICI Bank MakeMyTrip Credit Card
ICICI Bank
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 BankClassic Axis Bank Neo Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Neo Credit Card Top reward10% off Annual feeLifetime Free Min income₹15,000/mo Tap to flip back Axis Bank Neo Credit Card Axis Bank | ICICI BankPlatinum ICICI Bank MakeMyTrip Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank MakeMyTrip Credit Card Top reward10X reward points Annual fee₹999 Min income₹35,000/mo Tap to flip back ICICI Bank MakeMyTrip Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹999 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹3,00,000/yr spend |
| Min income | ₹25,000/mo | ₹15,000/mo | ₹35,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,366/yr | ₹1,800/yr | ₹3,900/yr |
| Online shopping | — | 1% cashback → ₹100/mo (₹1,200/yr) | — |
| Groceries (offline) | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | — | 15 pts per ₹150 spend → ₹125/mo (₹1,500/yr) |
| Top reward rate | 20 Edge Miles/₹100 | 10% off | 10X reward points |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| UPI rewards | Not supported (Visa/MC) | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹1,500 |
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https://cardhungry.com/in/en/compare/axis-iocl-vs-axis-neo-vs-icici-makemytripMore Axis IOCL Credit Card comparisons
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