Side-by-side · honest numbers
Axis Bank My Zone Credit Card vs Axis Bank SELECT Credit Card vs Tata Neu Plus HDFC Bank Credit Card
Honest side-by-side comparison of Axis Bank My Zone Credit Card, Axis Bank SELECT Credit Card, Tata Neu Plus HDFC Bank 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 My Zone Credit Card ranks first for estimated net annual value — ahead of Tata Neu Plus HDFC Bank Credit Card by about ₹441/yr.
| Feature | Axis Bank My Zone Credit Card Axis Bank | Axis Bank SELECT Credit Card Axis Bank | Tata Neu Plus HDFC Bank Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹3,000 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | -₹62/yr | ₹3,529/yr |
| Online shopping | — | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 4% | 2 EDGE miles/₹150 | 5% NeuCoins |
| Primary reward cap | ₹400 rewards/mo cap | No monthly cap published | ₹2,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None |
| UPI rewards | Not supported (Visa/MC) | 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 |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹499 |
Frequently asked questions
- Which card has the lower annual fee?
- Tata Neu Plus HDFC Bank Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Axis Bank My Zone Credit Card leads with an estimated ₹3,970/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank My Zone 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 My Zone Credit Card
Axis Bank
Axis Bank SELECT Credit Card
Axis Bank
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
Your adjusted comparison
| Feature | Axis BankGold Axis Bank My Zone Credit Card •••• •••• •••• 4242 Quick facts Axis Bank My Zone Credit Card Top reward4% Annual fee₹500 Min income₹20,000/mo Tap to flip back Axis Bank My Zone Credit Card Axis Bank | Axis BankPlatinum Axis Bank SELECT Credit Card •••• •••• •••• 4242 Quick facts Axis Bank SELECT Credit Card Top reward2 EDGE miles/₹150 Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Axis Bank SELECT 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 |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹500 | ₹3,000 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹3,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,970/yr | -₹62/yr | ₹3,529/yr |
| Online shopping | — | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) |
| Dining & delivery | 4% cashback → ₹160/mo (₹1,920/yr) | — | — |
| Travel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 4% | 2 EDGE miles/₹150 | 5% NeuCoins |
| Primary reward cap | ₹400 rewards/mo cap | No monthly cap published | ₹2,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None |
| UPI rewards | Not supported (Visa/MC) | 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 |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹499 |
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https://cardhungry.com/in/en/compare/axis-my-zone-vs-axis-select-vs-hdfc-tata-neu-plusMore Axis Bank My Zone Credit Card comparisons
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