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?

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

Honest side-by-side comparison of Axis Bank Reserve Credit Card, ICICI Platinum Chip, 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 ICICI Platinum Chip by about ₹3,432/yr.

Axis Bank Reserve Credit Card vs ICICI Platinum Chip vs SBI Card MILES comparison table
Feature	Axis Bank Reserve Credit Card Axis Bank	ICICI Platinum Chip ICICI Bank	SBI Card MILES SBI Card
Fees & eligibility
Annual fee	₹12,500	Lifetime free	₹1,499
Fee waiver threshold	No waiver published	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	₹1,00,000/mo	₹18,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹10,580/yr	-₹142/yr	₹3,290/yr
Dining & delivery	24 pts per ₹150 spend → ₹128/mo (₹1,536/yr)	—	—
Travel	5 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	24 EDGE miles/₹150	1 RP/₹150	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Unlimited domestic & international lounge · No minimum spend required for lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	—	₹2,000

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

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

Card 1

Axis Bank Reserve Credit Card

Axis Bank

Card 2

ICICI Platinum Chip

ICICI Bank

Card 3

SBI Card MILES

SBI Card

Your adjusted comparison

Feature	Axis BankMetal Axis Bank Reserve Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Reserve Credit Card Top reward24 EDGE miles/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Reserve Credit Card Axis Bank	ICICI BankClassic ICICI Platinum Chip •••• •••• •••• 4242 Quick facts ICICI Platinum Chip Top reward1 RP/₹150 Annual feeLifetime Free Min income₹18,000/mo Tap to flip back ICICI Platinum Chip ICICI 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	₹12,500	Lifetime free	₹1,499
Fee waiver threshold	No waiver published	Lifetime free	Waived at ₹3,00,000/yr spend
Min income	₹1,00,000/mo	₹18,000/mo	₹35,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	-₹10,580/yr	-₹142/yr	₹3,290/yr
Dining & delivery	24 pts per ₹150 spend → ₹128/mo (₹1,536/yr)	—	—
Travel	5 pts per ₹150 spend → ₹33/mo (₹400/yr)	—	9 pts per ₹150 spend → ₹75/mo (₹900/yr)
Top reward rate	24 EDGE miles/₹150	1 RP/₹150	6X reward points
Primary reward cap	No monthly cap published	No monthly cap published	No monthly cap published
Perks & restrictions
Lounge access	Unlimited domestic & international lounge · No minimum spend required for lounge access	None	None
UPI rewards	Not supported (Visa/MC)	Not supported (Visa/MC)	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent · Wallet	EMI · Fuel	Fuel · Rent · Wallet · EMI
Bonuses
Signup bonus	—	—	₹2,000

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