Side-by-side · honest numbers
Axis IOCL Credit Card vs HDFC Millennia Credit Card vs ICICI Bank Emeralde Private Metal Credit Card
Honest side-by-side comparison of Axis IOCL Credit Card, HDFC Millennia Credit Card, ICICI Bank Emeralde Private Metal 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 Millennia Credit Card ranks first for estimated net annual value — ahead of Axis IOCL Credit Card by about ₹7,464/yr.
| Feature | Axis IOCL Credit Card Axis Bank | HDFC Millennia Credit Card HDFC Bank | ICICI Bank Emeralde Private Metal Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,000 | ₹12,000 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹35,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,366/yr | ₹8,830/yr | -₹8,952/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Groceries (offline) | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Top reward rate | 20 Edge Miles/₹100 | 5% | 4X reward points |
| Primary reward cap | ₹5,000 eligible spend/mo | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited domestic & international lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹1,000 | — |
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?
- HDFC Millennia Credit Card leads with an estimated ₹8,830/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.
Axis IOCL Credit Card
Axis Bank
HDFC Millennia Credit Card
HDFC Bank
ICICI Bank Emeralde Private Metal 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 | HDFC BankGold HDFC Millennia Credit Card •••• •••• •••• 4242 Quick facts HDFC Millennia Credit Card Top reward5% Annual fee₹1,000 Min income₹35,000/mo Tap to flip back HDFC Millennia Credit Card HDFC Bank | ICICI BankMetal ICICI Bank Emeralde Private Metal Credit Card •••• •••• •••• 4242 Quick facts ICICI Bank Emeralde Private Metal Credit Card Top reward4X reward points Annual fee₹12,000 Min income₹1,00,000/mo Tap to flip back ICICI Bank Emeralde Private Metal Credit Card ICICI Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,000 | ₹12,000 |
| Fee waiver threshold | No waiver published | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹35,000/mo | ₹1,00,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,366/yr | ₹8,830/yr | -₹8,952/yr |
| Online shopping | — | 5% cashback → ₹500/mo (₹6,000/yr) | — |
| Groceries (offline) | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | — | 6 pts per ₹150 spend → ₹80/mo (₹960/yr) |
| Top reward rate | 20 Edge Miles/₹100 | 5% | 4X reward points |
| Primary reward cap | ₹5,000 eligible spend/mo | ₹1,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited domestic & international lounge access · No minimum spend required for lounge access |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹1,000 | — |
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https://cardhungry.com/in/en/compare/axis-iocl-vs-hdfc-millennia-vs-icici-emeraldeMore Axis IOCL Credit Card comparisons
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