Vyaya
Side-by-Side Comparison|Updated March 2026

Axis Bank Vistara 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 Vistara Credit Card

6.5/10
Annual Fee₹1,500
Base Rewards0.8%
NetworkVisa
View Full Details

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 Vistara Credit CardHDFC Bank MoneyBack+ Credit Card
Annual Fee₹1,500₹500
Joining Fee₹1,500₹500
Fee Waiver SpendN/A₹50,000
Base Reward Rate0.8%0.33333333333333337%
Reward CurrencyMaharaja PointsCashPoints
NetworkVisaVisa
Editor Rating6.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank Vistara 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 Vistara Credit Card

Pros

  • Complimentary Economy Class ticket voucher on joining fee payment.
  • Earn 2 Maharaja Points for every ₹200 spent on all eligible categories.
  • Complimentary domestic lounge access (2 visits per quarter) at select airports.
  • Comprehensive insurance coverage including Air Accident Cover up to ₹2.5 Crore.

Cons

  • New applications are currently restricted due to the Vistara-Air India merger.
  • Renewal benefits and milestone tickets are discontinued for cycles after April 18, 2025.
  • Lounge access requires a minimum spend of ₹50,000 in the previous 3 months.

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 Vistara Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank Vistara Credit Card if

Strong value for those who frequently fly Air India/Vistara routes and can utilize the free ticket vouchers.

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 Vistara 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 Vistara 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 Vistara Credit Card and HDFC Bank MoneyBack+ Credit Card?
Axis Bank Vistara Credit Card has an annual fee of ₹1,500, while HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: Axis Bank Vistara Credit Card or HDFC Bank MoneyBack+ Credit Card?
Axis Bank Vistara Credit Card offers a base reward rate of 0.8%. 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 Vistara Credit Card and HDFC Bank MoneyBack+ Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Axis Bank Vistara 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 Vistara 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.

Related Comparisons

Axis Bank Vistara Credit Card vs Axis Bank Vistara Signature Credit CardHDFC Bank MoneyBack+ Credit Card vs Axis Bank Vistara Signature Credit CardAxis Bank Vistara Credit Card vs HDFC Bank Millennia Credit CardHDFC Bank MoneyBack+ Credit Card vs HDFC Bank Millennia Credit Card

Explore More

Axis Bank Vistara Credit Card Full ReviewHDFC Bank MoneyBack+ Credit Card Full ReviewAll Axis Bank CardsAll HDFC Bank CardsBrowse All Credit CardsCredit Card Guides & Tips