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Side-by-Side Comparison|Updated March 2026

HDFC Bank Equitas Excite Credit Card vs Axis Bank Aura Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank Equitas Excite Credit Card

6.2/10
Annual Fee₹500
Base Rewards0.2666666666666667%
NetworkVisa
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Axis Bank

Axis Bank Aura Credit Card

7.2/10
Annual Fee₹749
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Equitas Excite Credit CardAxis Bank Aura Credit Card
Annual Fee₹500₹749
Joining Fee₹500₹749
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate0.2666666666666667%0.2%
Reward CurrencyReward PointsEDGE Reward Points
NetworkVisaVisa
Editor Rating6.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

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

Axis Bank Aura Credit Card

  • 0% on Insurance

Pros & Cons

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.

Axis Bank Aura Credit Card

Pros

  • 4 complimentary video doctor consultations per month via Practo.
  • 4 free interactive video fitness sessions and 16 recorded sessions per month via Fitternity.
  • 5X accelerated EDGE reward points on insurance spends (up to ₹10,000 transaction).
  • Annual discount of up to ₹500 on health checkups via IndushealthPlus.

Cons

  • No annual fee waiver based on spending milestones.
  • Low base reward rate of 0.2% (2 points per ₹200 spent).
  • No complimentary domestic or international airport lounge access.

Our Verdict

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

Choose HDFC Bank Equitas Excite Credit Card if

Specifically designed for Equitas customers looking for an entry-level rewards card.

Choose Axis Bank Aura Credit Card if

Offers significant value through free doctor consultations and fitness sessions that outweigh the annual fee.

Frequently Asked Questions

Which is better: HDFC Bank Equitas Excite Credit Card or Axis Bank Aura Credit Card?
Axis Bank Aura Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank Equitas Excite Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank Equitas Excite Credit Card and Axis Bank Aura Credit Card?
HDFC Bank Equitas Excite Credit Card has an annual fee of ₹500, while Axis Bank Aura Credit Card has an annual fee of ₹749. HDFC Bank Equitas Excite Credit Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank Equitas Excite Credit Card or Axis Bank Aura Credit Card?
HDFC Bank Equitas Excite Credit Card offers a base reward rate of 0.2666666666666667% with accelerated rewards on Grocery and Utility Bills. Axis Bank Aura Credit Card offers 0.2% base rewards with bonuses on Insurance. The better choice depends on your primary spending categories.
Can I have both HDFC Bank Equitas Excite Credit Card and Axis Bank Aura Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Equitas Excite Credit Card and Axis Bank Aura Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Equitas Excite Credit Card or Axis Bank Aura Credit Card?
For beginners, HDFC Bank Equitas Excite 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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