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| Feature | Axis Bank Axis Bank Neo Credit Card | ICICI Bank ICICI Coral RuPay Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | ICICI Bank |
| Network | Visa | RuPay |
| Annual fee | ₹250 + GST per year | ₹500 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹1,50,000 annual spending |
| Base reward rate | 0.1% | 0.5% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹20,000/month | Approx. ₹20,000/month |
| Terms verified | 13 Sept 2026 | 21 Sept 2026 |
| Best suited to | Entry-level professionals looking for instant discounts on Zomato and Myntra. | Moviegoers and existing ICICI account holders who want a RuPay card for merchant UPI payments. |
| Main trade-off | Base rewards are small; most value comes from coupon offers. Lifetime-free pricing applies only through select acquisition channels, so GainFair uses the standard fee schedule. | Reward rate on base transactions is relatively low (0.5%); primarily useful for bank discounts and BookMyShow. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
