Side-by-side · honest numbers
Axis IOCL Credit Card vs ICICI Coral Credit Card vs Kotak Urbane Gold Credit Card
Honest side-by-side comparison of Axis IOCL Credit Card, ICICI Coral Credit Card, Kotak Urbane Gold Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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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
ICICI Coral Credit Card
ICICI Bank
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | Axis IOCL Credit Card Axis Bank | ICICI Coral Credit Card ICICI Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹500 | ₹199 |
| Fee waiver threshold | Waived at ₹3,50,000/yr spend | Waived at ₹1,50,000/yr spend | Waived at ₹15,000/yr spend |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,046/yr | ₹915/yr | ₹1,020/yr |
| Online shopping | ₹5,000 → 250 pts/mo × ₹0.20/pt = ₹50.00/mo (₹600/yr) · cap reached | — | — |
| Fuel | ₹900 → 180 pts/mo × ₹0.20/pt = ₹36/mo (₹432/yr) · issuer max ₹5,000/mo | — | — |
| Utilities & bills | — | ₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr) | — |
| Top reward rate | 20 Edge Miles/₹100 | 2 RP/₹100 | 3 reward points/₹100 |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 4 railway lounge visits per year + 1 domestic airport lounge visit per quarter · Airport lounge needs ₹75,000 spend in the previous quarter; railway lounge has no spend gate | None |
| UPI rewards | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per Axis MITC | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per Kotak MITC |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-iocl-vs-icici-coral-vs-kotak-urbaneReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis IOCL Credit Card ranks first for estimated net annual value — ahead of Kotak Urbane Gold Credit Card by about ₹26/yr.
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 | ICICI Coral Credit Card ICICI Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹500 | ₹199 |
| Fee waiver threshold | Waived at ₹3,50,000/yr spend | Waived at ₹1,50,000/yr spend | Waived at ₹15,000/yr spend |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,046/yr | ₹915/yr | ₹1,020/yr |
| Online shopping | ₹5,000 → 250 pts/mo × ₹0.20/pt = ₹50.00/mo (₹600/yr) · cap reached | — | — |
| Fuel | ₹900 → 180 pts/mo × ₹0.20/pt = ₹36/mo (₹432/yr) · issuer max ₹5,000/mo | — | — |
| Utilities & bills | — | ₹3,500 → 35 pts/mo × ₹0.25/pt = ₹8.75/mo (₹105/yr) | — |
| Top reward rate | 20 Edge Miles/₹100 | 2 RP/₹100 | 3 reward points/₹100 |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | 4 railway lounge visits per year + 1 domestic airport lounge visit per quarter · Airport lounge needs ₹75,000 spend in the previous quarter; railway lounge has no spend gate | None |
| UPI rewards | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per Axis MITC | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per ICICI MITC | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per Kotak MITC |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Kotak Urbane Gold Credit Card has the lowest annual fee at ₹199.
- Which card earns more on moderate spend?
- Axis IOCL Credit Card leads with an estimated ₹1,046/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.
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