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| Feature | Axis Bank Axis Bank super.money RuPay Credit Card | Indian Overseas Bank IOB ZET Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | Axis Bank | Indian Overseas Bank |
| Network | RuPay | RuPay |
| Annual fee | Lifetime free | Lifetime free |
| Annual fee waiver | Not required | Not required |
| Base reward rate | 1% | 0% |
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 | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 2.5% |
| Monthly income requirement | Approx. ₹20,000/month | Fixed-deposit backed |
| Terms verified | 21 Sept 2026 | 24 Sept 2026 |
| Best suited to | super.money app users who want a lifetime-free RuPay credit card for UPI. | Credit builders who prefer an Indian Overseas Bank-backed secured RuPay card. |
| Main trade-off | The issuer itself flags this card’s cashback rates and caps as still settling: the figures modelled here are conservative placeholders. Re-check the latest T&C before counting on a specific %. | The 2% cashback requires the paid ZET Plus programme and an eligible merchant UPI payment through ZET. The bank MITC does not promise rewards on ordinary card spending, and closure within two years costs ₹499 plus GST. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
