Side-by-side · honest numbers
Axis Bank ACE Credit Card vs Tata Neu Plus HDFC Bank Credit Card vs Kotak Royale Signature Credit Card
Honest side-by-side comparison of Axis Bank ACE Credit Card, Tata Neu Plus HDFC Bank Credit Card, Kotak Royale Signature Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank ACE Credit Card ranks first for estimated net annual value — ahead of Tata Neu Plus HDFC Bank Credit Card by about ₹3,131/yr.
| Feature | Axis Bank ACE Credit Card Axis Bank | Tata Neu Plus HDFC Bank Credit Card HDFC Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹499 | ₹999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,660/yr | ₹3,529/yr | ₹140/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Utilities & bills | 5% cashback → ₹110/mo (₹1,320/yr) | — | — |
| Top reward rate | 5% | 5% NeuCoins | 2X reward points |
| Primary reward cap | ₹500 rewards/mo cap | ₹2,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | None | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs | Not supported (Visa/MC) |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹499 | — |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank ACE Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Axis Bank ACE Credit Card leads with an estimated ₹6,660/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank ACE Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
Axis Bank ACE Credit Card
Axis Bank
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank ACE Credit Card •••• •••• •••• 4242 Quick facts Axis Bank ACE Credit Card Top reward5% Annual fee₹499 Min income₹20,000/mo Tap to flip back Axis Bank ACE Credit Card Axis Bank | HDFC BankGold Tata Neu Plus HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Tata Neu Plus HDFC Bank Credit Card Top reward5% NeuCoins Annual fee₹499 Min income₹25,000/mo Tap to flip back Tata Neu Plus HDFC Bank Credit Card HDFC Bank | Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹499 | ₹999 |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹6,660/yr | ₹3,529/yr | ₹140/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Fuel | — | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) |
| Utilities & bills | 5% cashback → ₹110/mo (₹1,320/yr) | — | — |
| Top reward rate | 5% | 5% NeuCoins | 2X reward points |
| Primary reward cap | ₹500 rewards/mo cap | ₹2,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | 4 domestic visits/year · ₹50,000 spend in previous 3 calendar months (waived for first 4 months on new cards) | None | Limited domestic lounge visits — verify on issuer site |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs | Not supported (Visa/MC) |
| Key exclusions | Fuel · Non-GPay utilities · EMI · Rent · Wallet load | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹499 | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-ace-vs-hdfc-tata-neu-plus-vs-kotak-royaleMore Axis Bank ACE Credit Card comparisons
- Axis Bank ACE Credit Card vs 811 Dream Different Credit Card
- Axis Bank ACE Credit Card vs AU Altura Credit Card
- Axis Bank ACE Credit Card vs AU Zenith Credit Card
- Axis Bank ACE Credit Card vs American Express Gold Card
- Axis Bank ACE Credit Card vs American Express Platinum Travel Card
- Axis Bank ACE Credit Card vs American Express SmartEarn Credit Card
- Axis Bank ACE Credit Card vs Amex Membership Rewards CC
- Axis Bank ACE Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank ACE Credit Card vs Axis Bank Atlas Credit Card
- Axis Bank ACE Credit Card vs Axis Bank Flipkart Credit Card
- Axis Bank ACE Credit Card vs Axis Bank Magnus Credit Card
- Axis Bank ACE Credit Card vs Axis Bank My Zone Credit Card