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Side-by-Side Comparison|Updated April 2026

Tata Neu Plus SBI Credit 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 Credit Card

8.2/10
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 Credit 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 CurrencyNeuCoinCashback
NetworkRuPayVisa
Editor Rating8.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Neu Plus SBI Credit Card

  • 0% on Tata Neu App/Website
  • 0% on NeuPass Membership

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 Credit Card

Pros

  • Up to 7% value back on Tata Neu app and partner brands (2% card + 5% NeuPass).
  • 1% back on UPI transactions via the RuPay variant, including small merchant spends.
  • Welcome benefit of 499 NeuCoins effectively offsets the first-year joining fee.
  • Low annual fee waiver threshold of ₹1 Lakh spend in a year.

Cons

  • Lounge access is contingent on spending ₹50,000 in the previous calendar quarter.
  • Rewards are restricted to the Tata ecosystem (NeuCoins) and cannot be redeemed for cash.
  • Monthly reward capping on categories like Grocery (1000) and UPI (500).

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 Credit 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 Credit Card if

High rewards for shopping at BigBasket, Croma, Tata Cliq, and Westside.

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 Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Tata Neu Plus SBI Credit 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 Credit Card and Axis Bank - Flipkart Axis Bank Credit Card?
Tata Neu Plus SBI Credit 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 Credit 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 Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
Tata Neu Plus SBI Credit Card offers a base reward rate of 1% with accelerated rewards on Tata Neu App/Website and NeuPass Membership. 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 Credit 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 Credit 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 Credit Card or Axis Bank - Flipkart Axis Bank Credit Card?
For beginners, Tata Neu Plus SBI Credit 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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