Side-by-side · honest numbers
Axis IOCL Credit Card vs ICICI Sapphiro Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of Axis IOCL Credit Card, ICICI Sapphiro Credit Card, SBI Card against Fixed Deposit — 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 SBI Card against Fixed Deposit by about ₹1,786/yr.
| Feature | Axis IOCL Credit Card Axis Bank | ICICI Sapphiro Credit Card ICICI Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹500 | ₹3,500 | ₹0 |
| Min income (monthly) | ₹25,000 | ₹75,000 | Not stated |
| Top reward rate | 20 Edge Miles/₹100 | 4 RP/₹100 | 80% of FD value |
| Net annual value (moderate spend) | ₹1,366/yr | ₹3,556/yr | ₹1,770/yr |
| Secured / FD-backed | No | No | Yes |
| Signup bonus | — | ₹4,000 | — |
Frequently asked questions
- Which card has the lower annual fee?
- SBI Card against Fixed Deposit has a ₹0 annual fee (lifetime free or zero-fee tier).
- 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.
- Which cards are secured (FD-backed)?
- SBI Card against Fixed Deposit is secured — useful for thin credit files without a bureau pull at application.
- 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.
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 | SBI CardClassic SBI Card against Fixed Deposit •••• •••• •••• 4242 Quick facts SBI Card against Fixed Deposit Top reward80% of FD value Annual feeLifetime Free Tap to flip back SBI Card against Fixed Deposit SBI Card |
|---|---|---|---|
| Annual fee | ₹500 | ₹3,500 | ₹0 |
| Min income | ₹25,000 | ₹75,000 | Not stated |
| Top reward rate | 20 Edge Miles/₹100 | 4 RP/₹100 | 80% of FD value |
| Net value (moderate) | ₹1,366/yr | ₹3,556/yr | ₹1,770/yr |
| Secured / no bureau | Standard | Standard | FD-backed |
| Signup bonus | — | ₹4,000 | — |
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