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Side-by-Side Comparison|Updated March 2026

HDFC Bank MoneyBack+ Credit Card vs Axis Bank Select 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 Select Credit Card

7.8/10
Annual Fee₹3,000
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank MoneyBack+ Credit CardAxis Bank Select Credit Card
Annual Fee₹500₹3,000
Joining Fee₹500₹3,000
Fee Waiver Spend₹50,000₹8,00,000
Base Reward Rate0.33333333333333337%0.2%
Reward CurrencyCashPointsEDGE Reward Points
NetworkVisaVisa
Editor Rating7.2/107.8/10
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 Select Credit Card

  • 0% on Retail Shopping

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 Select Credit Card

Pros

  • 10,000 EDGE points (₹2,000 value) as a welcome benefit on first transaction.
  • Significant monthly savings with Swiggy (₹400) and BigBasket (₹500) discounts.
  • Complimentary Priority Pass with 6 international lounge visits annually.
  • 2X rewards on retail shopping up to ₹20,000 monthly spend.

Cons

  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Low reward redemption value (₹0.20 per point) compared to premium peers.
  • High annual fee waiver threshold of ₹8 Lakhs.

Our Verdict

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

Choose HDFC Bank MoneyBack+ Credit Card if

Low income eligibility and simple reward structure make it an excellent entry-level card.

Choose Axis Bank Select Credit Card if

Strong benefits on Swiggy, BigBasket, and BookMyShow combined with golf access.

Frequently Asked Questions

Which is better: HDFC Bank MoneyBack+ Credit Card or Axis Bank Select Credit Card?
Axis Bank Select Credit Card edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank MoneyBack+ 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 MoneyBack+ Credit Card and Axis Bank Select Credit Card?
HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500, while Axis Bank Select Credit Card has an annual fee of ₹3,000. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend. Axis Bank Select Credit Card offers a fee waiver on ₹8,00,000 annual spend.
Which card has better rewards: HDFC Bank MoneyBack+ Credit Card or Axis Bank Select 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 Select Credit Card offers 0.2% base rewards with bonuses on Retail Shopping. The better choice depends on your primary spending categories.
Can I have both HDFC Bank MoneyBack+ Credit Card and Axis Bank Select Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank MoneyBack+ Credit Card and Axis Bank Select 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 Select 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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