Which card has the lower annual fee?

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

Which card earns more on moderate spend?

SBI Card MILES leads with an estimated ₹3,290/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.

Which cards are secured (FD-backed)?

IDFC Ashva Gold (FD) 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.

Side-by-side · honest numbers

Axis Bank Neo Credit Card vs IDFC Ashva Gold (FD) vs SBI Card MILES

Honest side-by-side comparison of Axis Bank Neo Credit Card, IDFC Ashva Gold (FD), SBI Card MILES — 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, SBI Card MILES ranks first for estimated net annual value — ahead of Axis Bank Neo Credit Card by about ₹1,490/yr.

Axis Bank Neo Credit Card vs IDFC Ashva Gold (FD) vs SBI Card MILES comparison table
Feature	Axis Bank Neo Credit Card Axis Bank	IDFC Ashva Gold (FD) IDFC FIRST Bank	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	Lifetime free	Lifetime free	₹1,499
Fee waiver threshold	Lifetime free	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	₹15,000/mo	Not stated	₹35,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹1,800/yr	₹1,600/yr	₹3,290/yr
Online shopping	1% cashback → ₹100/mo (₹1,200/yr)	—	—
Travel	—	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	10% off	2X reward points	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend	None
UPI rewards	Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Not stated	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	—	₹2,000

Frequently asked questions

Which card has the lower annual fee?: Axis Bank Neo Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: SBI Card MILES leads with an estimated ₹3,290/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.
Which cards are secured (FD-backed)?: IDFC Ashva Gold (FD) 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.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

Axis Bank Neo Credit Card

Axis Bank

Card 2

IDFC Ashva Gold (FD)

IDFC FIRST Bank

Card 3

SBI Card MILES

SBI Card

Your adjusted comparison

Feature	Axis BankClassic Axis Bank Neo Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Neo Credit Card Top reward10% off Annual feeLifetime Free Min income₹15,000/mo Tap to flip back Axis Bank Neo Credit Card Axis Bank	IDFC FIRST BankGold IDFC Ashva Gold (FD) •••• •••• •••• 4242 Quick facts IDFC Ashva Gold (FD) Top reward2X reward points Annual feeLifetime Free Tap to flip back IDFC Ashva Gold (FD) IDFC FIRST Bank	SBI CardPlatinum SBI Card MILES •••• •••• •••• 4242 Quick facts SBI Card MILES Top reward6X reward points Annual fee₹1,499 Min income₹35,000/mo Tap to flip back SBI Card MILES SBI Card
Fees & eligibility
Annual fee	Lifetime free	Lifetime free	₹1,499
Fee waiver threshold	Lifetime free	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	₹15,000/mo	Not stated	₹35,000/mo
Secured / FD-backed	Standard	FD-backed	Standard
Rewards
Net annual value (moderate)	₹1,800/yr	₹1,600/yr	₹3,290/yr
Online shopping	1% cashback → ₹100/mo (₹1,200/yr)	—	—
Travel	—	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	10% off	2X reward points	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	None	Domestic lounge with FD ≥ ₹25K · FD-backed card — lounge tied to minimum ₹25,000 fixed deposit, not monthly spend	None
UPI rewards	Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	Not stated	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	—	₹2,000

Axis Bank Neo Credit Card details →IDFC Ashva Gold (FD) details →SBI Card MILES details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Axis Bank Neo Credit Card comparisons