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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Tata Neu Infinity HDFC Bank 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 - Tata Neu Infinity HDFC Bank

8.8/10
Annual Fee₹1,499
Base Rewards1.5%
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 - Tata Neu Infinity HDFC BankAxis Bank Aura Credit Card
Annual Fee₹1,499₹749
Joining Fee₹1,499₹749
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1.5%0.2%
Reward CurrencyNeuCoinsEDGE Reward Points
NetworkVisaVisa
Editor Rating8.8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank - Tata Neu Infinity HDFC Bank

  • 0% on Tata Neu App/Website
  • 0% on Partner Tata Brands
  • 0% on UPI Spends

Axis Bank Aura Credit Card

  • 0% on Insurance

Pros & Cons

HDFC Bank - Tata Neu Infinity HDFC Bank

Pros

  • Up to 10% value back on Tata Neu app spends (5% base + 5% NeuPass bonus).
  • 1.5% reward rate on UPI transactions (RuPay variant), among the highest in India.
  • Complimentary domestic and international lounge access (milestone-based for domestic).
  • Low foreign currency markup of 2% for international spends.

Cons

  • Domestic lounge access is now milestone-based (₹50,000 spend per quarter).
  • Rewards are restricted to the Tata Neu ecosystem for redemption.
  • No rewards on fuel, wallet loads, rent, and government transactions.

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

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

Choose HDFC Bank - Tata Neu Infinity HDFC Bank if

Maximum value back across BigBasket, Croma, Air India, Westside, and IHCL hotels.

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 - Tata Neu Infinity HDFC Bank or Axis Bank Aura Credit Card?
HDFC Bank - Tata Neu Infinity HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Aura 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 - Tata Neu Infinity HDFC Bank and Axis Bank Aura Credit Card?
HDFC Bank - Tata Neu Infinity HDFC Bank has an annual fee of ₹1,499, while Axis Bank Aura Credit Card has an annual fee of ₹749. HDFC Bank - Tata Neu Infinity HDFC Bank offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: HDFC Bank - Tata Neu Infinity HDFC Bank or Axis Bank Aura Credit Card?
HDFC Bank - Tata Neu Infinity HDFC Bank offers a base reward rate of 1.5% with accelerated rewards on Tata Neu App/Website and Partner Tata Brands. 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 - Tata Neu Infinity HDFC Bank and Axis Bank Aura Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank - Tata Neu Infinity HDFC Bank and Axis Bank Aura Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank - Tata Neu Infinity HDFC Bank or Axis Bank Aura Credit Card?
For beginners, Axis Bank Aura Credit Card may be more approachable with a lower annual fee of ₹749. However, evaluate based on your expected spending pattern rather than fee alone.

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