Side-by-side · honest numbers
Axis IOCL Credit Card vs HDFC Bharat Cashback Credit Card vs IndusInd Bank Crest Credit Card
Honest side-by-side comparison of Axis IOCL Credit Card, HDFC Bharat Cashback Credit Card, IndusInd Bank Crest 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, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of Axis IOCL Credit Card by about ₹4,064/yr.
| Feature | Axis IOCL Credit Card Axis Bank | HDFC Bharat Cashback Credit Card HDFC Bank | IndusInd Bank Crest Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹5,000 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹4,00,000/yr spend |
| Min income | ₹25,000/mo | ₹15,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,366/yr | ₹5,430/yr | ₹80/yr |
| Groceries (offline) | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | 5% cashback → ₹200/mo (₹2,400/yr) | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 20 Edge Miles/₹100 | 5% cashback | 2X reward points |
| Primary reward cap | ₹5,000 eligible spend/mo | ₹250 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback 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
HDFC Bharat Cashback Credit Card
HDFC Bank
IndusInd Bank Crest Credit Card
IndusInd 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 | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank | IndusInd BankPlatinum IndusInd Bank Crest Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Crest Credit Card Top reward2X reward points Annual fee₹5,000 Min income₹50,000/mo Tap to flip back IndusInd Bank Crest Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | Lifetime free | ₹5,000 |
| Fee waiver threshold | No waiver published | Lifetime free | Waived at ₹4,00,000/yr spend |
| Min income | ₹25,000/mo | ₹15,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,366/yr | ₹5,430/yr | ₹80/yr |
| Groceries (offline) | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | 5% cashback → ₹200/mo (₹2,400/yr) | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 20 Edge Miles/₹100 | 5% cashback | 2X reward points |
| Primary reward cap | ₹5,000 eligible spend/mo | ₹250 rewards/mo cap | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Domestic lounge access |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Rent · Wallet loads · Insurance | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-iocl-vs-hdfc-bharat-vs-indusind-crestMore Axis IOCL Credit Card comparisons
- Axis IOCL Credit Card vs 811 Dream Different Credit Card
- Axis IOCL Credit Card vs AU Altura Credit Card
- Axis IOCL Credit Card vs AU Zenith Credit Card
- Axis IOCL Credit Card vs American Express Gold Card
- Axis IOCL Credit Card vs American Express Platinum Travel Card
- Axis IOCL Credit Card vs American Express SmartEarn Credit Card
- Axis IOCL Credit Card vs Amex Membership Rewards CC
- Axis IOCL Credit Card vs Axis Bank ACE Credit Card
- Axis IOCL Credit Card vs Axis Bank Airtel Credit Card
- Axis IOCL Credit Card vs Axis Bank Atlas Credit Card
- Axis IOCL Credit Card vs Axis Bank Flipkart Credit Card
- Axis IOCL Credit Card vs Axis Bank Magnus Credit Card