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?

Kotak Urbane Gold Credit Card leads with an estimated ₹1,020/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.

Side-by-side · honest numbers

Axis IOCL Credit Card vs Kotak Urbane Gold Credit Card

Honest side-by-side comparison of Axis IOCL Credit Card, Kotak Urbane Gold 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.

Card 1

Axis IOCL Credit Card

Axis Bank

Card 2

Kotak Urbane Gold Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature	Axis IOCL Credit Card Axis Bank	Kotak Urbane Gold Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹500	₹199
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹25,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹910/yr	₹1,020/yr
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 rate	20 Edge Miles/₹100	3 reward points/₹100
Primary reward cap	₹5,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-IOCL fuel · EMI · Rent	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹2,050/yr combined NAV (₹1,030 vs best solo). Both annual fees apply.

Axis IOCL Credit Card details →Kotak Urbane Gold Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Kotak Urbane Gold Credit Card leads Axis IOCL Credit Card by about ₹110/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 Kotak Urbane Gold Credit Card comparison table
Feature	Axis IOCL Credit Card Axis Bank	Kotak Urbane Gold Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹500	₹199
Fee waiver threshold	No waiver published	Waived at ₹2,00,000/yr spend
Min income	₹25,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹910/yr	₹1,020/yr
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 rate	20 Edge Miles/₹100	3 reward points/₹100
Primary reward cap	₹5,000 eligible spend/mo	No monthly cap published
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	Non-IOCL fuel · EMI · 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?: Kotak Urbane Gold Credit Card leads with an estimated ₹1,020/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More Axis IOCL Credit Card comparisons