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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Tata Neu Plus HDFC Bank vs Axis Bank My Zone 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 My Zone Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.2%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank - Tata Neu Plus HDFC BankAxis Bank My Zone Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000N/A
Base Reward Rate1%0.2%
Reward CurrencyNeuCoinEDGE Reward Points
NetworkRuPayVisa
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 My Zone 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 My Zone Credit Card

Pros

  • Complimentary SonyLIV Premium annual subscription worth ₹999 on first spend.
  • Buy One Get One (BOGO) offer on movie tickets via District app, up to ₹200/month.
  • Flat ₹120 discount on Swiggy orders twice a month on minimum spend of ₹500.
  • Up to ₹1,000 off on Ajio for select styles on minimum spend of ₹2,999.

Cons

  • Low base reward rate of 0.4% (4 points per ₹200).
  • Domestic lounge access requires a high spend of ₹50,000 in the previous quarter.
  • Many exclusions for reward points including fuel, utilities, and rent.

Our Verdict

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

Strong benefits for OTT subscriptions and movie ticket discounts.

Frequently Asked Questions

Which is better: HDFC Bank - Tata Neu Plus HDFC Bank or Axis Bank My Zone Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, Axis Bank My Zone 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 My Zone Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank has an annual fee of ₹499, while Axis Bank My Zone Credit Card has an annual fee of ₹500. 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 My Zone 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 My Zone 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 My Zone 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 My Zone 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 My Zone Credit Card?
For beginners, HDFC Bank - Tata Neu Plus HDFC Bank may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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