Which card has the lower annual fee?

ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).

Which card earns more on moderate spend?

ICICI Platinum Chip leads with an estimated -₹36/yr net annual value on moderate spend.

Which card has the lower income requirement?

ICICI Platinum Chip lists a minimum monthly income of ₹18,000.

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

Axis Bank Reserve Credit Card vs ICICI Platinum Chip

Honest side-by-side comparison of Axis Bank Reserve Credit Card, ICICI Platinum Chip — 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

Axis Bank Reserve Credit Card

Axis Bank

Card 2

ICICI Platinum Chip

ICICI Bank

Your adjusted comparison

Feature	Axis Bank Reserve Credit Card Axis Bank	ICICI Platinum Chip ICICI Bank
Fees & eligibility
Annual fee	₹50,000	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	₹1,00,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹54,860/yr	-₹36/yr
Top reward rate	15 EDGE Reward Points/₹200	1 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Unlimited domestic & international lounge · Verify current Axis MITC for spend-linked lounge rules on Reserve	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Axis Bank Reserve Credit Card details →ICICI Platinum Chip details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, ICICI Platinum Chip leads Axis Bank Reserve Credit Card by about ₹54,824/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 Bank Reserve Credit Card vs ICICI Platinum Chip comparison table
Feature	Axis Bank Reserve Credit Card Axis Bank	ICICI Platinum Chip ICICI Bank
Fees & eligibility
Annual fee	₹50,000	Lifetime free
Fee waiver threshold	No waiver published	Lifetime free
Min income	₹1,00,000/mo	₹18,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹54,860/yr	-₹36/yr
Top reward rate	15 EDGE Reward Points/₹200	1 RP/₹150
Primary reward cap	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Unlimited domestic & international lounge · Verify current Axis MITC for spend-linked lounge rules on Reserve	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel
Bonuses
Signup bonus	—	—

Frequently asked questions

Which card has the lower annual fee?: ICICI Platinum Chip has a ₹0 annual fee (lifetime free or zero-fee tier).
Which card earns more on moderate spend?: ICICI Platinum Chip leads with an estimated -₹36/yr net annual value on moderate spend.
Which card has the lower income requirement?: ICICI Platinum Chip lists a minimum monthly income of ₹18,000.
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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