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Side-by-Side Comparison|Updated April 2026

Tata Neu Plus SBI Card vs Axis Bank - Flipkart Axis Bank Credit Card

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

SBI Card

Tata Neu Plus SBI Card

8/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
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Axis Bank

Axis Bank - Flipkart Axis Bank Credit Card

7.2/10
Annual Fee₹500
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureTata Neu Plus SBI CardAxis Bank - Flipkart Axis Bank Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000₹3,50,000
Base Reward Rate1%1%
Reward CurrencyNeuCoinsCashback
NetworkRuPayVisa
Editor Rating8/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Neu Plus SBI Card

  • 0% on Tata Brands
  • 0% on Tata Neu App (NeuPass)

Axis Bank - Flipkart Axis Bank Credit Card

  • 0% on Myntra — 4000 pts/month
  • 0% on Flipkart — 4000 pts/month
  • 0% on Cleartrip — 4000 pts/month
  • 0% on Preferred Merchants (Swiggy...

Pros & Cons

Tata Neu Plus SBI Card

Pros

  • 2% back as NeuCoins on Tata Neu App and partner Tata brands (Croma, BigBasket, 1mg, etc.)
  • 1% back as NeuCoins on all other non-Tata spends and UPI transactions
  • Additional 5% back via NeuPass membership on Tata Neu App purchases
  • Low annual fee of ₹499, easily waivable on ₹1 Lakh annual spend

Cons

  • Rewards are restricted to the Tata ecosystem for redemption
  • No international lounge access compared to the Infinity variant
  • Exclusions on fuel, rent, and wallet reloads for reward earning

Axis Bank - Flipkart Axis Bank Credit Card

Pros

  • 7.5% cashback on Myntra spends (capped at ₹4,000 per quarter)
  • 5% cashback on Flipkart and Cleartrip (capped at ₹4,000 per quarter each)
  • Unlimited 4% cashback on preferred partners like Swiggy, Uber, PVR, and Cult.fit
  • Unlimited 1% cashback on all other eligible spends with no minimum transaction value

Cons

  • Complimentary domestic airport lounge access has been discontinued since June 2025
  • High annual fee waiver threshold of ₹3.5 lakh compared to other entry-level cards
  • Cashback exclusions include fuel, wallet loads, rent, insurance, and utilities

Our Verdict

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

Choose Tata Neu Plus SBI Card if

Frequent shoppers at BigBasket, Croma, and Tata 1mg can maximize value back.

Choose Axis Bank - Flipkart Axis Bank Credit Card if

High cashback rates on these platforms make it the best choice for frequent shoppers.

Frequently Asked Questions

Which is better: Tata Neu Plus SBI Card or Axis Bank - Flipkart Axis Bank Credit Card?
Tata Neu Plus SBI Card edges ahead overall with a stronger combination of rewards and value. However, Axis Bank - Flipkart Axis Bank Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Tata Neu Plus SBI Card and Axis Bank - Flipkart Axis Bank Credit Card?
Tata Neu Plus SBI Card has an annual fee of ₹499, while Axis Bank - Flipkart Axis Bank Credit Card has an annual fee of ₹500. Tata Neu Plus SBI Card offers a fee waiver on ₹1,00,000 annual spend. Axis Bank - Flipkart Axis Bank Credit Card offers a fee waiver on ₹3,50,000 annual spend.
Which card has better rewards: Tata Neu Plus SBI Card or Axis Bank - Flipkart Axis Bank Credit Card?
Tata Neu Plus SBI Card offers a base reward rate of 1% with accelerated rewards on Tata Brands and Tata Neu App (NeuPass). Axis Bank - Flipkart Axis Bank Credit Card offers 1% base rewards with bonuses on Myntra and Flipkart. The better choice depends on your primary spending categories.
Can I have both Tata Neu Plus SBI Card and Axis Bank - Flipkart Axis Bank Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Neu Plus SBI Card and Axis Bank - Flipkart Axis Bank Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Neu Plus SBI Card or Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, Tata Neu Plus SBI Card 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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