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Side-by-Side Comparison|Updated March 2026

Samsung Axis Bank Infinite Credit Card vs HDFC Bank - Tata Neu Plus HDFC Bank

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

Axis Bank

Samsung Axis Bank Infinite Credit Card

8.2/10
Annual Fee₹5,000
Base Rewards0.2%
NetworkVisa
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HDFC Bank

HDFC Bank - Tata Neu Plus HDFC Bank

8.2/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
View Full Details

Feature-by-Feature Comparison

FeatureSamsung Axis Bank Infinite Credit CardHDFC Bank - Tata Neu Plus HDFC Bank
Annual Fee₹5,000₹499
Joining Fee₹5,000₹499
Fee Waiver Spend₹7,00,000₹1,00,000
Base Reward Rate0.2%1%
Reward CurrencyEdge Reward PointsNeuCoin
NetworkVisaRuPay
Editor Rating8.2/108.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Samsung Axis Bank Infinite Credit Card

  • 0% on Preferred Partners (Zomato,...
  • 0% on International Spends
  • 0% on Other Domestic Spends

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

Pros & Cons

Samsung Axis Bank Infinite Credit Card

Pros

  • Flat 10% cashback on Samsung products (Smartphones, TVs, Appliances) throughout the year.
  • High reward rate of 15 Edge Points per ₹100 on international spends and preferred partners like Zomato and Myntra.
  • Generous welcome benefit of 30,000 Edge Reward Points worth ₹6,000.
  • Comprehensive lounge access with 8 domestic and 6 international visits annually.

Cons

  • Samsung cashback is capped at ₹5,000 per month and ₹20,000 per year.
  • High annual fee of ₹5,000 with a steep waiver threshold of ₹7 Lakhs.
  • Domestic lounge access is subject to a minimum spend of ₹50,000 in the previous 3 months.

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).

Our Verdict

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

Choose Samsung Axis Bank Infinite Credit Card if

Best-in-class 10% cashback on all Samsung ecosystem purchases including EMI transactions.

Choose HDFC Bank - Tata Neu Plus HDFC Bank if

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

Frequently Asked Questions

Which is better: Samsung Axis Bank Infinite Credit Card or HDFC Bank - Tata Neu Plus HDFC Bank?
HDFC Bank - Tata Neu Plus HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, Samsung Axis Bank Infinite Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Samsung Axis Bank Infinite Credit Card and HDFC Bank - Tata Neu Plus HDFC Bank?
Samsung Axis Bank Infinite Credit Card has an annual fee of ₹5,000, while HDFC Bank - Tata Neu Plus HDFC Bank has an annual fee of ₹499. Samsung Axis Bank Infinite Credit Card offers a fee waiver on ₹7,00,000 annual spend. HDFC Bank - Tata Neu Plus HDFC Bank offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Samsung Axis Bank Infinite Credit Card or HDFC Bank - Tata Neu Plus HDFC Bank?
Samsung Axis Bank Infinite Credit Card offers a base reward rate of 0.2% with accelerated rewards on Preferred Partners (Zomato,... and International Spends. HDFC Bank - Tata Neu Plus HDFC Bank offers 1% base rewards with bonuses on Tata Neu App & Partner Brands and Tata Neu App (with NeuPass). The better choice depends on your primary spending categories.
Can I have both Samsung Axis Bank Infinite Credit Card and HDFC Bank - Tata Neu Plus HDFC Bank?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Samsung Axis Bank Infinite Credit Card and HDFC Bank - Tata Neu Plus HDFC Bank can complement each other if they cover different reward categories.
Which card is better for beginners: Samsung Axis Bank Infinite Credit Card or HDFC Bank - Tata Neu Plus HDFC Bank?
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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