Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Signature Credit Card vs HDFC Bank - Tata Neu Plus 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 Signature Credit Card

7.5/10
Annual Fee₹5,000
Base Rewards1%
NetworkVisa
View Full Details

HDFC Bank

HDFC Bank - Tata Neu Plus HDFC Bank

8.2/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
View Full Details

Feature-by-Feature Comparison

FeatureAxis Bank Signature Credit CardHDFC Bank - Tata Neu Plus HDFC Bank
Annual Fee₹5,000₹499
Joining Fee₹5,000₹499
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate1%1%
Reward CurrencyEDGE REWARD PointsNeuCoin
NetworkVisaRuPay
Editor Rating7.5/108.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Signature Credit Card

  • 2% on TRAVEL

HDFC Bank - Tata Neu Plus HDFC Bank

  • 0% on Tata Neu App & Partner Brands
  • 0% on Tata Neu App (with NeuPass)
  • 0% on Tata Neu UPI Spends
  • 0% on Other UPI Spends

Pros & Cons

Axis Bank Signature Credit Card

Pros

  • High reward rate of 10 EDGE points per ₹200 spent on domestic transactions
  • Accelerated 2x rewards (20 points per ₹200) on all international spends
  • Substantial 50% discount on movie tickets via BookMyShow (up to ₹300 per month)
  • Comprehensive travel insurance including ₹2.5 Crore Air Accident Cover

Cons

  • High annual fee of ₹5,000 with a relatively high waiver threshold of ₹3 Lakhs
  • International lounge visits are not complimentary by default on the Priority Pass
  • Reward point value is relatively low at ₹0.20 per point compared to competitors

HDFC Bank - Tata Neu Plus HDFC Bank

Pros

  • Up to 7% value back on Tata Neu app spends (2% base + 5% NeuPass).
  • 1% back on UPI spends via Tata Neu UPI (RuPay variant).
  • 1 NeuCoin = ₹1, offering simple and transparent redemption.
  • Low annual fee of ₹499 with a reachable waiver at ₹1 Lakh spend.

Cons

  • Domestic lounge access is now milestone-based (₹50,000 spend per quarter).
  • No international lounge access compared to the Infinity variant.
  • Reward capping on grocery spends (1,000 NeuCoins per month).

Our Verdict

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

Choose Axis Bank Signature Credit Card if

Users who travel internationally and can benefit from the 2x reward multiplier and insurance covers.

Choose HDFC Bank - Tata Neu Plus HDFC Bank if

High rewards on BigBasket, Croma, Tata 1mg, and Air India.

Frequently Asked Questions

Which is better: Axis Bank Signature Credit Card or HDFC Bank - Tata Neu Plus HDFC Bank?
HDFC Bank - Tata Neu Plus HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Signature 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 Signature Credit Card and HDFC Bank - Tata Neu Plus HDFC Bank?
Axis Bank Signature Credit Card has an annual fee of ₹5,000, while HDFC Bank - Tata Neu Plus HDFC Bank has an annual fee of ₹499. Axis Bank Signature Credit Card offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank - Tata Neu Plus HDFC Bank offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Axis Bank Signature Credit Card or HDFC Bank - Tata Neu Plus HDFC Bank?
Axis Bank Signature Credit Card offers a base reward rate of 1% with accelerated rewards on TRAVEL. HDFC Bank - Tata Neu Plus HDFC Bank offers 1% base rewards with bonuses on Tata Neu App & Partner Brands and Tata Neu App (with NeuPass). The better choice depends on your primary spending categories.
Can I have both Axis Bank Signature Credit Card and HDFC Bank - Tata Neu Plus HDFC Bank?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Signature Credit Card and HDFC Bank - Tata Neu Plus HDFC Bank can complement each other if they cover different reward categories.
Which card is better for beginners: Axis Bank Signature Credit Card or HDFC Bank - Tata Neu Plus HDFC Bank?
For beginners, HDFC Bank - Tata Neu Plus HDFC Bank may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

Axis Bank Signature Credit Card vs SBI Card ELITEHDFC Bank - Tata Neu Plus HDFC Bank vs SBI Card ELITEAxis Bank Signature Credit Card vs Amazon Pay ICICI Bank Credit CardHDFC Bank - Tata Neu Plus HDFC Bank vs Amazon Pay ICICI Bank Credit CardAxis Bank Signature Credit Card vs Axis Bank - Flipkart Axis Bank Credit CardHDFC Bank - Tata Neu Plus HDFC Bank vs Axis Bank - Flipkart Axis Bank Credit CardAxis Bank Signature Credit Card vs SBI Card PRIMEHDFC Bank - Tata Neu Plus HDFC Bank vs SBI Card PRIME

Explore More

Axis Bank Signature Credit Card Full ReviewHDFC Bank - Tata Neu Plus HDFC Bank Full ReviewAll Axis Bank CardsAll HDFC Bank CardsBest Travel CardsBest Lounge Access CardsBrowse All Credit CardsCredit Card Guides & Tips