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Side-by-Side Comparison|Updated March 2026

Axis Bank Platinum Credit Card vs HDFC Bank Equitas Excite Credit Card

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

Axis Bank

Axis Bank Platinum Credit Card

6/10
Annual Fee₹500
Base Rewards0.6000000000000001%
NetworkVisa
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HDFC Bank

HDFC Bank Equitas Excite Credit Card

6.2/10
Annual Fee₹500
Base Rewards0.2666666666666667%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Platinum Credit CardHDFC Bank Equitas Excite Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹1,00,000₹1,00,000
Base Reward Rate0.6000000000000001%0.2666666666666667%
Reward CurrencyEDGE REWARD PointsReward Points
NetworkVisaVisa
Editor Rating6/106.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Platinum Credit Card

  • 0% on International Spends
  • 0% on Birthday Month

HDFC Bank Equitas Excite Credit Card

  • 0% on Grocery — 500 pts/month
  • 0% on Utility Bills — 500 pts/month
  • 0% on Fuel — 500 pts/month

Pros & Cons

Axis Bank Platinum Credit Card

Pros

  • 25% cashback on movie tickets up to ₹1,000 per calendar year.
  • Earn 6 EDGE REWARD points for every ₹200 spent domestically.
  • 2X reward points on all transactions during your birthday month.
  • 15% discount at over 1,500 partner restaurants via Dining Delights.

Cons

  • No complimentary airport lounge access.
  • Low reward redemption value of approximately 0.6% effective return.
  • High interest rate (APR) compared to mid-tier cards.

HDFC Bank Equitas Excite Credit Card

Pros

  • 3X Reward Points on grocery, supermarkets, and utility bills.
  • Monthly milestone bonus of 500 points on spending ₹20,000.
  • Annual fee waiver on a relatively low spend of ₹1 Lakh.
  • 1% fuel surcharge waiver at all fuel stations in India.

Cons

  • Low reward point value of ₹0.20 per point.
  • Accelerated rewards are capped at 500 points per month.
  • No complimentary airport lounge access.

Our Verdict

Both Axis Bank Platinum Credit Card and HDFC Bank Equitas Excite Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Axis Bank Platinum Credit Card if

Low entry barrier and simple reward structure for basic spending.

Choose HDFC Bank Equitas Excite Credit Card if

Specifically designed for Equitas customers looking for an entry-level rewards card.

Frequently Asked Questions

Which is better: Axis Bank Platinum Credit Card or HDFC Bank Equitas Excite Credit Card?
Both Axis Bank Platinum Credit Card and HDFC Bank Equitas Excite Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Axis Bank Platinum Credit Card and HDFC Bank Equitas Excite Credit Card?
Axis Bank Platinum Credit Card has an annual fee of ₹500, while HDFC Bank Equitas Excite Credit Card has an annual fee of ₹500. Axis Bank Platinum Credit Card offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank Equitas Excite Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank Platinum Credit Card or HDFC Bank Equitas Excite Credit Card?
Axis Bank Platinum Credit Card offers a base reward rate of 0.6000000000000001% with accelerated rewards on International Spends and Birthday Month. HDFC Bank Equitas Excite Credit Card offers 0.2666666666666667% base rewards with bonuses on Grocery and Utility Bills. The better choice depends on your primary spending categories.
Can I have both Axis Bank Platinum Credit Card and HDFC Bank Equitas Excite Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Platinum Credit Card and HDFC Bank Equitas Excite Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Platinum Credit Card or HDFC Bank Equitas Excite Credit Card?
For beginners, Axis Bank Platinum Credit Card may be more approachable with a lower annual fee of ₹500. However, evaluate based on your expected spending pattern rather than fee alone.

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