Side-by-side · honest numbers
Axis IOCL Credit Card vs SBI Card against Fixed Deposit
Honest side-by-side comparison of Axis IOCL Credit Card, SBI Card against Fixed Deposit — 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.
Axis IOCL Credit Card
Axis Bank
SBI Card against Fixed Deposit
SBI Card
Your adjusted comparison
| Feature | Axis IOCL Credit Card Axis Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹910/yr | ₹1,440/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 | 80% of FD value |
| 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 | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
Stack mode (hold both)
Cap-aware split: ~₹2,290/yr combined NAV (₹850 vs best solo). Both annual fees apply.
Share this comparison
https://cardhungry.com/in/en/compare/axis-iocl-vs-sbi-fd-securedReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, SBI Card against Fixed Deposit leads Axis IOCL Credit Card by about ₹530/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
| Feature | Axis IOCL Credit Card Axis Bank | SBI Card against Fixed Deposit SBI Card |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹500 | Lifetime free |
| Fee waiver threshold | No waiver published | Lifetime free |
| Min income | ₹25,000/mo | Not stated |
| Secured / FD-backed | Standard | FD-backed |
| Rewards | ||
| Net annual value (moderate) | ₹910/yr | ₹1,440/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 | 80% of FD value |
| 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 | Not stated |
| Bonuses | ||
| Signup bonus | — | — |
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?
- SBI Card against Fixed Deposit leads with an estimated ₹1,440/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.
More Axis IOCL Credit Card comparisons
- Axis IOCL Credit Card vs 811 Dream Different Credit Card
- Axis IOCL Credit Card vs AU Altura Credit Card
- Axis IOCL Credit Card vs AU Altura+ Credit Card
- Axis IOCL Credit Card vs AU LIT Credit Card
- Axis IOCL Credit Card vs AU Zenith Credit Card
- Axis IOCL Credit Card vs American Express Gold Card
- Axis IOCL Credit Card vs American Express Platinum Travel Card
- Axis IOCL Credit Card vs American Express SmartEarn Credit Card
- Axis IOCL Credit Card vs Amex Membership Rewards CC
- Axis IOCL Credit Card vs Axis Bank ACE Credit Card
- Axis IOCL Credit Card vs Axis Bank Airtel Credit Card
- Axis IOCL Credit Card vs Axis Bank Atlas Credit Card