Side-by-side · honest numbers
Axis Bank Airtel Credit Card vs Tata Neu Plus HDFC Bank Credit Card vs IDFC FIRST Millennia Credit Card
Honest side-by-side comparison of Axis Bank Airtel Credit Card, Tata Neu Plus HDFC Bank Credit Card, IDFC FIRST Millennia 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 Airtel Credit Card ranks first for estimated net annual value — ahead of IDFC FIRST Millennia Credit Card by about ₹3,358/yr.
| Feature | Axis Bank Airtel Credit Card Axis Bank | Tata Neu Plus HDFC Bank Credit Card HDFC Bank | IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹499 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,070/yr | ₹3,529/yr | ₹4,712/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | 3% cashback → ₹300/mo (₹3,600/yr) |
| Dining & delivery | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Utilities & bills | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Top reward rate | 25% | 5% NeuCoins | 3% |
| Primary reward cap | ₹250 rewards/mo cap | ₹2,000 eligible spend/mo | ₹1,000 rewards/mo cap |
| 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 | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹499 | — |
Frequently asked questions
- Which card has the lower annual fee?
- IDFC FIRST Millennia Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Airtel Credit Card leads with an estimated ₹8,070/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Airtel 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 Airtel Credit Card
Axis Bank
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
IDFC FIRST Millennia Credit Card
IDFC FIRST Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank Airtel Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Airtel Credit Card Top reward25% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank Airtel 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 | IDFC FIRST BankGold IDFC FIRST Millennia Credit Card •••• •••• •••• 4242 Quick facts IDFC FIRST Millennia Credit Card Top reward3% Annual feeLifetime Free Min income₹20,000/mo Tap to flip back IDFC FIRST Millennia Credit Card IDFC FIRST Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹499 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend | Lifetime free |
| Min income | ₹20,000/mo | ₹25,000/mo | ₹20,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹8,070/yr | ₹3,529/yr | ₹4,712/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | 3% cashback → ₹300/mo (₹3,600/yr) |
| Dining & delivery | 10% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Utilities & bills | 25% cashback → ₹250/mo (₹3,000/yr) (cap hit) | — | — |
| Top reward rate | 25% | 5% NeuCoins | 3% |
| Primary reward cap | ₹250 rewards/mo cap | ₹2,000 eligible spend/mo | ₹1,000 rewards/mo cap |
| 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 | Earns: 3% on online; 0.5% on other eligible spends · cap ₹1,000/month online cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet · Government | EMI · Fuel · Rent · Wallet | EMI · Rent |
| Bonuses | |||
| Signup bonus | — | ₹499 | — |
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https://cardhungry.com/in/en/compare/axis-airtel-vs-hdfc-tata-neu-plus-vs-idfc-first-millenniaMore Axis Bank Airtel Credit Card comparisons
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