Side-by-side · honest numbers
Axis IOCL Credit Card vs Kotak Urbane Gold Credit Card vs Standard Chartered Smart Card
Honest side-by-side comparison of Axis IOCL Credit Card, Kotak Urbane Gold Credit Card, Standard Chartered Smart 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, Standard Chartered Smart Card ranks first for estimated net annual value — ahead of Axis IOCL Credit Card by about ₹2,365/yr.
| Feature | Axis IOCL Credit Card Axis Bank | Kotak Urbane Gold Credit Card Kotak Mahindra Bank | Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,999 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,366/yr | ₹140/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Groceries (offline) | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | — | — |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Fuel | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | — | — |
| Top reward rate | 20 Edge Miles/₹100 | 3X reward points | 2% cashback |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| 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 · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Standard Chartered Smart Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Standard Chartered Smart Card leads with an estimated ₹3,731/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
Kotak Urbane Gold Credit Card
Kotak Mahindra Bank
Standard Chartered Smart Card
Standard Chartered
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 | Kotak Mahindra BankGold Kotak Urbane Gold Credit Card •••• •••• •••• 4242 Quick facts Kotak Urbane Gold Credit Card Top reward3X reward points Annual fee₹1,999 Min income₹30,000/mo Tap to flip back Kotak Urbane Gold Credit Card Kotak Mahindra Bank | Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹1,999 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹30,000/mo | ₹30,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,366/yr | ₹140/yr | ₹3,731/yr |
| Online shopping | — | — | 2% cashback → ₹200/mo (₹2,400/yr) |
| Groceries (offline) | 6 pts per ₹150 spend → ₹48/mo (₹576/yr) | — | — |
| Dining & delivery | — | 3 pts per ₹150 spend → ₹20/mo (₹240/yr) | — |
| Fuel | 30 pts per ₹150 spend → ₹160/mo (₹1,920/yr) | — | — |
| Top reward rate | 20 Edge Miles/₹100 | 3X reward points | 2% cashback |
| Primary reward cap | ₹5,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| 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 · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-iocl-vs-kotak-urbane-vs-sc-smartMore Axis IOCL Credit Card comparisons
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