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Axis IOCL Credit Card vs SBI Card MILES

Honest side-by-side comparison of Axis IOCL Credit Card, SBI Card MILES — 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

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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

SBI Card MILES

SBI Card

Your adjusted comparison

Feature
Axis IOCL Credit Card

Axis IOCL Credit Card

Axis Bank

SBI Card MILES credit card

SBI Card MILES

SBI Card

Fees & eligibility
Annual fee₹500₹1,499
Fee waiver thresholdNo waiver publishedWaived at ₹3,00,000/yr spend
Min income₹25,000/mo₹35,000/mo
Secured / FD-backedStandardStandard
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—
Travel—₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)
Top reward rate20 Edge Miles/₹100Accelerated travel points
Primary reward cap₹5,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNone4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNon-IOCL fuel · EMI · RentFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹2,000

Stack mode (hold both)

Cap-aware split: ~₹2,120/yr combined NAV (₹1,100 vs best solo). Both annual fees apply.

Axis IOCL Credit Card details →SBI Card MILES details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, SBI Card MILES 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 SBI Card MILES comparison table
FeatureAxis IOCL Credit Card

Axis Bank

SBI Card MILES

SBI Card

Fees & eligibility
Annual fee₹500₹1,499
Fee waiver thresholdNo waiver publishedWaived at ₹3,00,000/yr spend
Min income₹25,000/mo₹35,000/mo
Secured / FD-backedStandardStandard
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—
Travel—₹3,000 → 180 pts/mo × ₹0.25/pt = ₹45/mo (₹540/yr)
Top reward rate20 Edge Miles/₹100Accelerated travel points
Primary reward cap₹5,000 eligible spend/moNo monthly cap published
Perks & restrictions
Lounge accessNone4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsNot supported (Visa/MC)Not supported (Visa/MC)
Key exclusionsNon-IOCL fuel · EMI · RentFuel · Rent · Wallet · EMI
Bonuses
Signup bonus—₹2,000

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?
SBI Card MILES 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.

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