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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Tata Neu Plus HDFC Bank vs Axis Bank Kwik 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 Kwik Credit Card

7.2/10
Annual FeeFree
Base Rewards0.04000000000000001%
NetworkRuPay
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Feature-by-Feature Comparison

FeatureHDFC Bank - Tata Neu Plus HDFC BankAxis Bank Kwik Credit Card
Annual Fee₹499Free
Joining Fee₹499Free
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate1%0.04000000000000001%
Reward CurrencyNeuCoinEDGE Reward Points
NetworkRuPayRuPay
Editor Rating8.2/107.2/10
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 Kwik Credit Card

  • 0% on Scan & Pay via Kiwi

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 Kwik Credit Card

Pros

  • Lifetime free card with zero joining and annual fees
  • Seamless UPI integration via the RuPay network and Kiwi app
  • Instant virtual card issuance upon approval
  • 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000

Cons

  • No airport lounge access or travel-specific perks
  • Low base reward rate of 0.2% (2 EDGE points per ₹200)
  • No rewards on UPI transactions below ₹2,000

Our Verdict

HDFC Bank - Tata Neu Plus HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Kwik 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 Kwik Credit Card if

Ideal for users who prefer UPI for small to medium merchant payments and want a virtual-first experience.

Frequently Asked Questions

Which is better: HDFC Bank - Tata Neu Plus HDFC Bank or Axis Bank Kwik Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, Axis Bank Kwik 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 Kwik Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank has an annual fee of ₹499, while Axis Bank Kwik Credit Card has no annual fee. HDFC Bank - Tata Neu Plus HDFC Bank offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: HDFC Bank - Tata Neu Plus HDFC Bank or Axis Bank Kwik 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 Kwik Credit Card offers 0.04000000000000001% base rewards with bonuses on Scan & Pay via Kiwi. The better choice depends on your primary spending categories.
Can I have both HDFC Bank - Tata Neu Plus HDFC Bank and Axis Bank Kwik 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 Kwik 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 Kwik Credit Card?
For beginners, Axis Bank Kwik Credit Card may be more approachable with no annual fee. However, evaluate based on your expected spending pattern rather than fee alone.

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