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Side-by-Side Comparison|Updated March 2026

Axis Bank Kwik Credit Card vs HDFC Bank - Tata Neu Infinity HDFC Bank

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Axis Bank Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
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HDFC Bank

HDFC Bank - Tata Neu Infinity HDFC Bank

8.8/10
Annual Fee₹1,499
Base Rewards1.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Kwik Credit CardHDFC Bank - Tata Neu Infinity HDFC Bank
Annual FeeFree₹1,499
Joining FeeFree₹1,499
Fee Waiver SpendN/A₹3,00,000
Base Reward Rate0.04000000000000001%1.5%
Reward CurrencyEDGE Reward PointsNeuCoins
NetworkRuPayVisa
Editor Rating7.2/108.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

HDFC Bank - Tata Neu Infinity HDFC Bank

  • 0% on Tata Neu App/Website
  • 0% on Partner Tata Brands
  • 0% on UPI Spends

Pros & Cons

Axis Bank Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

HDFC Bank - Tata Neu Infinity HDFC Bank

Pros

  • Up to 10% value back on Tata Neu app spends (5% base + 5% NeuPass bonus).
  • 1.5% reward rate on UPI transactions (RuPay variant), among the highest in India.
  • Complimentary domestic and international lounge access (milestone-based for domestic).
  • Low foreign currency markup of 2% for international spends.

Cons

  • Domestic lounge access is now milestone-based (₹50,000 spend per quarter).
  • Rewards are restricted to the Tata Neu ecosystem for redemption.
  • No rewards on fuel, wallet loads, rent, and government transactions.

Our Verdict

HDFC Bank - Tata Neu Infinity HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Kwik Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Kwik Credit Card if

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

Choose HDFC Bank - Tata Neu Infinity HDFC Bank if

Maximum value back across BigBasket, Croma, Air India, Westside, and IHCL hotels.

Frequently Asked Questions

Which is better: Axis Bank Kwik Credit Card or HDFC Bank - Tata Neu Infinity HDFC Bank?
HDFC Bank - Tata Neu Infinity HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Kwik Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Axis Bank Kwik Credit Card and HDFC Bank - Tata Neu Infinity HDFC Bank?
Axis Bank Kwik Credit Card has no annual fee, while HDFC Bank - Tata Neu Infinity HDFC Bank has an annual fee of ₹1,499. HDFC Bank - Tata Neu Infinity HDFC Bank offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Axis Bank Kwik Credit Card or HDFC Bank - Tata Neu Infinity HDFC Bank?
Axis Bank Kwik Credit Card offers a base reward rate of 0.04000000000000001% with accelerated rewards on Scan & Pay via Kiwi. HDFC Bank - Tata Neu Infinity HDFC Bank offers 1.5% base rewards with bonuses on Tata Neu App/Website and Partner Tata Brands. The better choice depends on your primary spending categories.
Can I have both Axis Bank Kwik Credit Card and HDFC Bank - Tata Neu Infinity HDFC Bank?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Kwik Credit Card and HDFC Bank - Tata Neu Infinity HDFC Bank can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Kwik Credit Card or HDFC Bank - Tata Neu Infinity HDFC Bank?
For beginners, Axis Bank Kwik Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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