Which card has the lower annual fee?

LIC Axis Bank Platinum Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

Axis Bank Neo Credit Card leads with an estimated ₹1,020/yr net annual value on moderate spend.

Which card has the lower income requirement?

Axis Bank Neo Credit Card lists a minimum monthly income of ₹15,000.

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

LIC Axis Bank Platinum Credit Card vs Axis Bank Neo Credit Card

Honest side-by-side comparison of LIC Axis Bank Platinum Credit Card, Axis Bank Neo 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

LIC Axis Bank Platinum Credit Card

Axis Bank

Card 2

Axis Bank Neo Credit Card

Axis Bank

Your adjusted comparison

Feature	LIC Axis Bank Platinum Credit Card Axis Bank	Axis Bank Neo Credit Card Axis Bank
Fees & eligibility
Annual fee	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free
Min income	₹20,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹431/yr	₹1,020/yr
Top reward rate	2 points / ₹100	10% off
Primary reward cap	₹400/month	No monthly cap published
Perks & restrictions
Lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply
Key exclusions	Fuel · Wallet · EMI · Utilities · Education	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Cap-aware split: ~₹1,039/yr combined NAV (₹19 vs best solo). Both annual fees apply.

LIC Axis Bank Platinum Credit Card details →Axis Bank Neo Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Axis Bank Neo Credit Card leads LIC Axis Bank Platinum Credit Card by about ₹589/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

LIC Axis Bank Platinum Credit Card vs Axis Bank Neo Credit Card comparison table
Feature	LIC Axis Bank Platinum Credit Card Axis Bank	Axis Bank Neo Credit Card Axis Bank
Fees & eligibility
Annual fee	Lifetime free	Lifetime free
Fee waiver threshold	Lifetime free	Lifetime free
Min income	₹20,000/mo	₹15,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹431/yr	₹1,020/yr
Top reward rate	2 points / ₹100	10% off
Primary reward cap	₹400/month	No monthly cap published
Perks & restrictions
Lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply
Key exclusions	Fuel · Wallet · EMI · Utilities · Education	EMI · Fuel · Rent
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: LIC Axis Bank Platinum Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: Axis Bank Neo Credit Card leads with an estimated ₹1,020/yr net annual value on moderate spend.
Which card has the lower income requirement?: Axis Bank Neo Credit Card lists a minimum monthly income of ₹15,000.
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

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