Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Pride 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 Pride Platinum Credit Card

6/10
Annual Fee₹250
Base Rewards0.4%
NetworkVisa
View Full Details

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 Pride Platinum Credit CardHDFC Bank Equitas Excite Credit Card
Annual Fee₹250₹500
Joining FeeFree₹500
Fee Waiver Spend₹20,000₹1,00,000
Base Reward Rate0.4%0.2666666666666667%
Reward CurrencyeDGE Reward PointsReward Points
NetworkVisaVisa
Editor Rating6/106.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Pride Platinum Credit Card

No accelerated rewards listed

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 Pride Platinum Credit Card

Pros

  • Zero joining fee and very low annual fee of ₹250
  • Extremely low annual fee waiver threshold of just ₹20,000 annual spend
  • Personalized card design featuring the Indian Tricolour for Defence personnel
  • Bonus 100 eDGE points every month on spending over ₹5,000

Cons

  • Very low base reward rate of 0.4% (4 points per ₹200)
  • No complimentary domestic or international airport lounge access
  • High finance charges of 55.55% per annum

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 Pride 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 Pride Platinum Credit Card if

Specifically designed for Indian Armed Forces with a patriotic design and low maintenance cost.

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 Pride Platinum Credit Card or HDFC Bank Equitas Excite Credit Card?
Both Axis Bank Pride 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 Pride Platinum Credit Card and HDFC Bank Equitas Excite Credit Card?
Axis Bank Pride Platinum Credit Card has an annual fee of ₹250, while HDFC Bank Equitas Excite Credit Card has an annual fee of ₹500. Axis Bank Pride Platinum Credit Card offers a fee waiver on ₹20,000 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 Pride Platinum Credit Card or HDFC Bank Equitas Excite Credit Card?
Axis Bank Pride Platinum Credit Card offers a base reward rate of 0.4%. 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 Pride 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 Pride 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 Pride Platinum Credit Card or HDFC Bank Equitas Excite Credit Card?
For beginners, Axis Bank Pride Platinum Credit Card may be more approachable with a lower annual fee of ₹250. However, evaluate based on your expected spending pattern rather than fee alone.

Explore More

Axis Bank Pride Platinum Credit Card Full ReviewHDFC Bank Equitas Excite Credit Card Full ReviewAll Axis Bank CardsAll HDFC Bank CardsBrowse All Credit CardsCredit Card Guides & Tips