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Axis IOCL Credit Card vs HDFC MoneyBack+ Credit Card

Honest side-by-side comparison of Axis IOCL Credit Card, HDFC MoneyBack+ 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

Customize your spend

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

HDFC MoneyBack+ Credit Card

HDFC Bank

Your adjusted comparison

Feature
Axis IOCL Credit Card

Axis IOCL Credit Card

Axis Bank

HDFC MoneyBack+ Credit Card

HDFC MoneyBack+ Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹25,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹910/yr₹130/yr
Online shopping—₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached
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 rate20 Edge Miles/₹10010X points
Primary reward cap₹5,000 eligible spend/mo₹2,500 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNon-IOCL fuel · EMI · RentEMI · Fuel · Rent
Bonuses
Signup bonus—₹500

Stack mode (hold both)

Cap-aware split: ~₹1,260/yr combined NAV (₹350 vs best solo). Both annual fees apply.

Axis IOCL Credit Card details →HDFC MoneyBack+ Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis IOCL Credit Card leads HDFC MoneyBack+ Credit Card by about ₹780/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

Axis IOCL Credit Card vs HDFC MoneyBack+ Credit Card comparison table
FeatureAxis IOCL Credit Card

Axis Bank

HDFC MoneyBack+ Credit Card

HDFC Bank

Fees & eligibility
Annual fee₹500₹500
Fee waiver thresholdNo waiver publishedNo waiver published
Min income₹25,000/mo₹20,000/mo
Secured / FD-backedStandardStandard
Rewards
Net annual value (moderate)₹910/yr₹130/yr
Online shopping—₹2,500 → 167 pts/mo × ₹0.25/pt = ₹41.67/mo (₹500/yr) · cap reached
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 rate20 Edge Miles/₹10010X points
Primary reward cap₹5,000 eligible spend/mo₹2,500 eligible spend/mo
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNon-IOCL fuel · EMI · RentEMI · Fuel · Rent
Bonuses
Signup bonus—₹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 IOCL Credit Card leads with an estimated ₹910/yr net annual value on moderate spend.
Which card has the lower income requirement?
HDFC MoneyBack+ Credit Card lists a minimum monthly income of ₹20,000.
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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