Side-by-side · honest numbers
Axis Bank SELECT Credit Card vs Kotak White Credit Card vs RBL Bank Icon Credit Card
Honest side-by-side comparison of Axis Bank SELECT Credit Card, Kotak White Credit Card, RBL Bank Icon 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
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank SELECT Credit Card
Axis Bank
Kotak White Credit Card
Kotak Mahindra Bank
RBL Bank Icon Credit Card
RBL Bank
Your adjusted comparison
| Feature | Axis Bank SELECT Credit Card Axis Bank | Kotak White Credit Card Kotak Mahindra Bank | RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹3,000 | ₹5,000 |
| Fee waiver threshold | ₹8,00,000/yr | ₹5,00,000/yr | No waiver published |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹3,528/yr | -₹3,420/yr | -₹5,780/yr |
| Travel | ₹3,000 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr) | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) |
| Top reward rate | 2 EDGE miles/₹150 | 2X reward points | 2X points/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | 8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025) | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
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https://cardhungry.com/in/en/compare/axis-select-vs-kotak-white-vs-rbl-iconReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Kotak White Credit Card ranks first for estimated net annual value — ahead of Axis Bank SELECT Credit Card by about ₹108/yr.
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
| Feature | Axis Bank SELECT Credit Card Axis Bank | Kotak White Credit Card Kotak Mahindra Bank | RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹3,000 | ₹3,000 | ₹5,000 |
| Fee waiver threshold | ₹8,00,000/yr | ₹5,00,000/yr | No waiver published |
| Min income | ₹50,000/mo | ₹50,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹3,528/yr | -₹3,420/yr | -₹5,780/yr |
| Travel | ₹3,000 → 40 pts/mo × ₹0.20/pt = ₹8/mo (₹96/yr) | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) | ₹3,000 → 40 pts/mo × ₹0.25/pt = ₹10/mo (₹120/yr) |
| Top reward rate | 2 EDGE miles/₹150 | 2X reward points | 2X points/₹150 |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | 8 domestic (2/quarter) + 4 international/year (Priority Pass) · Domestic lounge gated on ₹1,00,000 spend per quarter (from Jun 2025) | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank SELECT Credit Card has the lowest annual fee at ₹3,000.
- Which card earns more on moderate spend?
- Kotak White Credit Card leads with an estimated -₹3,420/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank SELECT Credit Card lists a minimum monthly income of ₹50,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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