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Side-by-Side Comparison|Updated March 2026

Axis Bank Platinum Credit Card vs HDFC Bank MoneyBack+ 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 MoneyBack+ Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
NetworkVisa
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Feature-by-Feature Comparison

FeatureAxis Bank Platinum Credit CardHDFC Bank MoneyBack+ Credit Card
Annual Fee₹500₹500
Joining Fee₹500₹500
Fee Waiver Spend₹1,00,000₹50,000
Base Reward Rate0.6000000000000001%0.33333333333333337%
Reward CurrencyEDGE REWARD PointsCashPoints
NetworkVisaVisa
Editor Rating6/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Platinum Credit Card

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

HDFC Bank MoneyBack+ Credit Card

  • 0.83% on Partner Merchants (Amazon, ... — 2500 pts/month
  • 0.42% on EMI Spends (Merchant Locati... — 2500 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 MoneyBack+ Credit Card

Pros

  • 10X CashPoints (3.3% value back) on major platforms like Amazon, Flipkart, and Swiggy.
  • Low annual fee of ₹500, easily waived with a modest annual spend of ₹50,000.
  • Quarterly milestone benefit of ₹500 gift voucher on spending ₹50,000.
  • RuPay variant allows for UPI payments with reward point earnings.

Cons

  • No complimentary domestic or international airport lounge access.
  • Monthly capping of 2,500 CashPoints on accelerated 10X categories limits high spenders.
  • Low base reward rate of 0.33% (2 points per ₹150) on non-partner spends.

Our Verdict

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

Choose Axis Bank Platinum Credit Card if

Low entry barrier and simple reward structure for basic spending.

Choose HDFC Bank MoneyBack+ Credit Card if

Low income eligibility and simple reward structure make it an excellent entry-level card.

Frequently Asked Questions

Which is better: Axis Bank Platinum Credit Card or HDFC Bank MoneyBack+ Credit Card?
HDFC Bank MoneyBack+ Credit Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Platinum 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 Platinum Credit Card and HDFC Bank MoneyBack+ Credit Card?
Axis Bank Platinum Credit Card has an annual fee of ₹500, while HDFC Bank MoneyBack+ 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 MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Axis Bank Platinum Credit Card or HDFC Bank MoneyBack+ 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 MoneyBack+ Credit Card offers 0.33333333333333337% base rewards with bonuses on Partner Merchants (Amazon, ... and EMI Spends (Merchant Locati.... The better choice depends on your primary spending categories.
Can I have both Axis Bank Platinum Credit Card and HDFC Bank MoneyBack+ Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Platinum Credit Card and HDFC Bank MoneyBack+ 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 MoneyBack+ 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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