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Side-by-Side Comparison|Updated April 2026

Axis Bank - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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HDFC Bank

HDFC Bank - Tata Neu Plus HDFC Bank

8.2/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
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Feature-by-Feature Comparison

FeatureAxis Bank - Flipkart Axis Bank Credit CardHDFC Bank - Tata Neu Plus HDFC Bank
Annual Fee₹500₹499
Joining Fee₹500₹499
Fee Waiver Spend₹3,50,000₹1,00,000
Base Reward Rate1%1%
Reward CurrencyCashbackNeuCoin
NetworkVisaRuPay
Editor Rating7.2/108.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Axis Bank - Flipkart Axis Bank Credit Card

  • 0% on Myntra — 4000 pts/month
  • 0% on Flipkart — 4000 pts/month
  • 0% on Cleartrip — 4000 pts/month
  • 0% on Preferred Merchants (Swiggy...

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 - Flipkart Axis Bank Credit Card

Pros

  • 7.5% cashback on Myntra spends (capped at ₹4,000 per quarter)
  • 5% cashback on Flipkart and Cleartrip (capped at ₹4,000 per quarter each)
  • Unlimited 4% cashback on preferred partners like Swiggy, Uber, PVR, and Cult.fit
  • Unlimited 1% cashback on all other eligible spends with no minimum transaction value

Cons

  • Complimentary domestic airport lounge access has been discontinued since June 2025
  • High annual fee waiver threshold of ₹3.5 lakh compared to other entry-level cards
  • Cashback exclusions include fuel, wallet loads, rent, insurance, and utilities

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 - Flipkart Axis Bank Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose Axis Bank - Flipkart Axis Bank Credit Card if

High cashback rates on these platforms make it the best choice for frequent shoppers.

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 - Flipkart Axis Bank 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 - Flipkart Axis Bank 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 - Flipkart Axis Bank Credit Card and HDFC Bank - Tata Neu Plus HDFC Bank?
Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500, while HDFC Bank - Tata Neu Plus HDFC Bank has an annual fee of ₹499. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 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 - Flipkart Axis Bank Credit Card or HDFC Bank - Tata Neu Plus HDFC Bank?
Axis Bank - Flipkart Axis Bank Credit Card offers a base reward rate of 1% with accelerated rewards on Myntra and Flipkart. 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 - Flipkart Axis Bank 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 - Flipkart Axis Bank 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 - Flipkart Axis Bank 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.

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