Side-by-side · honest numbers
Axis Bank Neo Credit Card vs IndusInd Bank Platinum Credit Card vs OneCard Metal Credit Card
Honest side-by-side comparison of Axis Bank Neo Credit Card, IndusInd Bank Platinum Credit Card, OneCard Metal Credit 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, OneCard Metal Credit Card ranks first for estimated net annual value — ahead of Axis Bank Neo Credit Card by about ₹2,160/yr.
| Feature | Axis Bank Neo Credit Card Axis Bank | IndusInd Bank Platinum Credit Card IndusInd Bank | OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free | Lifetime free |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,800/yr | -₹20/yr | ₹3,960/yr |
| Online shopping | 1% cashback → ₹100/mo (₹1,200/yr) | — | — |
| Top reward rate | 10% off | 1 reward point/₹150 | 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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?
- OneCard Metal Credit Card leads with an estimated ₹3,960/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
Change spend profile or swap cards — results update live below.
Axis Bank Neo Credit Card
Axis Bank
IndusInd Bank Platinum Credit Card
IndusInd Bank
OneCard Metal Credit Card
OneCard (BOB/FPL)
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 | IndusInd BankPlatinum IndusInd Bank Platinum Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Platinum Credit Card Top reward1 reward point/₹150 Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IndusInd Bank Platinum Credit Card IndusInd Bank | OneCard (BOB/FPL)Metal OneCard Metal Credit Card •••• •••• •••• 4242 Quick facts OneCard Metal Credit Card Top reward1% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back OneCard Metal Credit Card OneCard (BOB/FPL) |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | Lifetime free | Lifetime free |
| Fee waiver threshold | Lifetime free | Lifetime free | Lifetime free |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,800/yr | -₹20/yr | ₹3,960/yr |
| Online shopping | 1% cashback → ₹100/mo (₹1,200/yr) | — | — |
| Top reward rate | 10% off | 1 reward point/₹150 | 1% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Not supported (Visa/MC) | Earns: 1% reward points on all eligible spends (5X on top category via app) · cap Points redeemable as statement credit per OneCard T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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