Side-by-side · honest numbers
Axis IOCL Credit Card vs ICICI Sapphiro Credit Card vs Kotak Royale Signature Credit Card
Honest side-by-side comparison of Axis IOCL Credit Card, ICICI Sapphiro Credit Card, Kotak Royale Signature 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 Sapphiro Credit Card ranks first for estimated net annual value — ahead of Axis IOCL Credit Card by about ₹2,190/yr.
| Feature | Axis IOCL Credit Card Axis Bank | ICICI Sapphiro Credit Card ICICI Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹3,500 | ₹999 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹25,000/mo | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,366/yr | ₹3,556/yr | ₹140/yr |
| Groceries (offline) | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Top reward rate | 20 Edge Miles/₹100 | 4 RP/₹100 | 2X reward points |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹4,000 | — |
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?
- ICICI Sapphiro Credit Card leads with an estimated ₹3,556/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
ICICI Sapphiro Credit Card
ICICI Bank
Kotak Royale Signature Credit Card
Kotak Mahindra 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 | ICICI BankPlatinum ICICI Sapphiro Credit Card •••• •••• •••• 4242 Quick facts ICICI Sapphiro Credit Card Top reward4 RP/₹100 Annual fee₹3,500 Min income₹75,000/mo Tap to flip back ICICI Sapphiro Credit Card ICICI Bank | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹3,500 | ₹999 |
| Fee waiver threshold | No waiver published | No waiver published | Waived at ₹1,00,000/yr spend |
| Min income | ₹25,000/mo | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,366/yr | ₹3,556/yr | ₹140/yr |
| Groceries (offline) | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | — | — |
| Fuel | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Top reward rate | 20 Edge Miles/₹100 | 4 RP/₹100 | 2X reward points |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Domestic + international lounge · Premium dual-card pack — lounge visits typically bundled; verify quarterly caps on issuer site | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | Non-IOCL fuel · EMI · Rent | EMI · Fuel · Rent | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹4,000 | — |
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https://cardhungry.com/in/en/compare/axis-iocl-vs-icici-sapphiro-vs-kotak-royaleMore Axis IOCL Credit Card comparisons
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