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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Tata Neu Plus HDFC Bank vs Axis Bank Easy Gold 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 Plus HDFC Bank

8.2/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
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Axis Bank

Axis Bank Easy Gold Credit Card

5.5/10
Annual Fee₹100
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank - Tata Neu Plus HDFC BankAxis Bank Easy Gold Credit Card
Annual Fee₹499₹100
Joining Fee₹499Free
Fee Waiver Spend₹1,00,000₹50,000
Base Reward Rate1%0.2%
Reward CurrencyNeuCoinEDGE Reward Points
NetworkRuPayVisa
Editor Rating8.2/105.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

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

Axis Bank Easy Gold Credit Card

No accelerated rewards listed

Pros & Cons

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).

Axis Bank Easy Gold Credit Card

Pros

  • Guaranteed approval against a Fixed Deposit of ₹20,000 or more.
  • No income documentation or credit score check required for issuance.
  • Very low annual fee of ₹100, which is waived on annual spends of ₹50,000.
  • Earn EDGE Reward points on both domestic and international transactions.

Cons

  • Extremely low reward rate of 0.2% on domestic spends.
  • No premium benefits like airport lounge access or movie discounts.
  • Requires locking up liquidity in a Fixed Deposit to maintain the card.

Our Verdict

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

Choose HDFC Bank - Tata Neu Plus HDFC Bank if

High rewards on BigBasket, Croma, Tata 1mg, and Air India.

Choose Axis Bank Easy Gold Credit Card if

Ideal for individuals with no credit history or a low score looking to build their CIBIL profile.

Frequently Asked Questions

Which is better: HDFC Bank - Tata Neu Plus HDFC Bank or Axis Bank Easy Gold Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Easy Gold 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 Plus HDFC Bank and Axis Bank Easy Gold Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank has an annual fee of ₹499, while Axis Bank Easy Gold Credit Card has an annual fee of ₹100. HDFC Bank - Tata Neu Plus HDFC Bank offers a fee waiver on ₹1,00,000 annual spend. Axis Bank Easy Gold Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: HDFC Bank - Tata Neu Plus HDFC Bank or Axis Bank Easy Gold Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank offers a base reward rate of 1% with accelerated rewards on Tata Neu App & Partner Brands and Tata Neu App (with NeuPass). Axis Bank Easy Gold Credit Card offers 0.2% base rewards. The better choice depends on your primary spending categories.
Can I have both HDFC Bank - Tata Neu Plus HDFC Bank and Axis Bank Easy Gold Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank - Tata Neu Plus HDFC Bank and Axis Bank Easy Gold Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank - Tata Neu Plus HDFC Bank or Axis Bank Easy Gold Credit Card?
For beginners, Axis Bank Easy Gold Credit Card may be more approachable with a lower annual fee of ₹100. However, evaluate based on your expected spending pattern rather than fee alone.

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