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Side-by-Side Comparison|Updated March 2026

HDFC Bank MoneyBack+ 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 MoneyBack+ Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
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 MoneyBack+ Credit CardAxis Bank Aura Credit Card
Annual Fee₹500₹749
Joining Fee₹500₹749
Fee Waiver Spend₹50,000N/A
Base Reward Rate0.33333333333333337%0.2%
Reward CurrencyCashPointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank MoneyBack+ Credit Card

  • 0.83% on Partner Merchants (Amazon, ... — 2500 pts/month
  • 0.42% on EMI Spends (Merchant Locati... — 2500 pts/month

Axis Bank Aura Credit Card

  • 0% on Insurance

Pros & Cons

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.

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

Both HDFC Bank MoneyBack+ Credit Card and Axis Bank Aura Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose HDFC Bank MoneyBack+ Credit Card if

Low income eligibility and simple reward structure make it an excellent entry-level 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 MoneyBack+ Credit Card or Axis Bank Aura Credit Card?
Both HDFC Bank MoneyBack+ Credit Card and Axis Bank Aura Credit Card are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between HDFC Bank MoneyBack+ Credit Card and Axis Bank Aura Credit Card?
HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500, while Axis Bank Aura Credit Card has an annual fee of ₹749. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: HDFC Bank MoneyBack+ Credit Card or Axis Bank Aura Credit Card?
HDFC Bank MoneyBack+ Credit Card offers a base reward rate of 0.33333333333333337% with accelerated rewards on Partner Merchants (Amazon, ... and EMI Spends (Merchant Locati.... 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 MoneyBack+ Credit Card and Axis Bank Aura Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank MoneyBack+ 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 MoneyBack+ Credit Card or Axis Bank Aura 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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