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Side-by-Side Comparison|Updated March 2026

Axis Bank Reserve 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 Reserve Credit Card

8.2/10
Annual Fee₹50,000
Base Rewards0.2%
NetworkVisa
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HDFC Bank

HDFC Bank MoneyBack+ Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Reserve Credit CardHDFC Bank MoneyBack+ Credit Card
Annual Fee₹50,000₹500
Joining Fee₹50,000₹500
Fee Waiver Spend₹35,00,000₹50,000
Base Reward Rate0.2%0.33333333333333337%
Reward CurrencyEDGE REWARD PointsCashPoints
NetworkVisaVisa
Editor Rating8.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Reserve Credit Card

No accelerated rewards listed

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 Reserve Credit Card

Pros

  • Unlimited domestic and international lounge access for primary and add-on members with 12 guest visits.
  • Comprehensive luxury hotel memberships including Accor Plus, Club Marriott, and ITC Culinaire.
  • Low foreign currency markup fee of 1.5%, ideal for high international spenders.
  • 8 complimentary VIP Airport Concierge services for seamless check-in and immigration.

Cons

  • High annual fee of ₹50,000 with no renewal bonus points (discontinued April 2024).
  • Steep annual fee waiver threshold of ₹35 Lakhs.
  • Significant reward exclusions including fuel, gold, insurance, and utilities.

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

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

Choose Axis Bank Reserve Credit Card if

Offers unparalleled airport services, unlimited lounge access for family, and premium hotel memberships.

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 Reserve Credit Card or HDFC Bank MoneyBack+ Credit Card?
Axis Bank Reserve Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank MoneyBack+ 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 Reserve Credit Card and HDFC Bank MoneyBack+ Credit Card?
Axis Bank Reserve Credit Card has an annual fee of ₹50,000, while HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500. Axis Bank Reserve Credit Card offers a fee waiver on ₹35,00,000 annual spend. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Axis Bank Reserve Credit Card or HDFC Bank MoneyBack+ Credit Card?
Axis Bank Reserve Credit Card offers a base reward rate of 0.2%. 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 Reserve Credit Card and HDFC Bank MoneyBack+ Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Reserve 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 Reserve Credit Card or HDFC Bank MoneyBack+ Credit Card?
For beginners, HDFC Bank MoneyBack+ 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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