Side-by-side · honest numbers
Axis Bank Neo Credit Card vs HDFC Bank Infinia Credit Card vs SBI Card PRIME
Honest side-by-side comparison of Axis Bank Neo Credit Card, HDFC Bank Infinia Credit Card, SBI Card PRIME — 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 Neo Credit Card ranks first for estimated net annual value — ahead of SBI Card PRIME by about ₹299/yr.
| Feature | Axis Bank Neo Credit Card Axis Bank | HDFC Bank Infinia Credit Card HDFC Bank | SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹12,500 | ₹2,999 |
| Fee waiver threshold | Lifetime free | ₹10,00,000/yr | ₹5,00,000/yr |
| Min income | ₹15,000/mo | ₹1,00,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,800/yr | -₹4,128/yr | ₹1,501/yr |
| Online shopping | 1% cashback → ₹100/mo (₹1,200/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 10% off | 5 RP/₹150 | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | Domestic lounge visits per year — verify count |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
Frequently asked questions
- Which card has the lower annual fee?
- Axis Bank Neo Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Neo Credit Card leads with an estimated ₹1,800/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Axis Bank Neo Credit Card lists a minimum monthly income of ₹15,000.
- 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 Neo Credit Card
Axis Bank
HDFC Bank Infinia Credit Card
HDFC Bank
SBI Card PRIME
SBI Card
Your adjusted comparison
| Feature | Axis BankClassic Axis Bank Neo Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Neo Credit Card Top reward10% off Annual feeLifetime Free Min income₹15,000/mo Tap to flip back Axis Bank Neo Credit Card Axis Bank | HDFC BankMetal HDFC Bank Infinia Credit Card •••• •••• •••• 4242 Quick facts HDFC Bank Infinia Credit Card Top reward5 RP/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back HDFC Bank Infinia Credit Card HDFC Bank | SBI CardPlatinum SBI Card PRIME •••• •••• •••• 4242 Quick facts SBI Card PRIME Top reward4X reward points Annual fee₹2,999 Min income₹45,000/mo Tap to flip back SBI Card PRIME SBI Card |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹12,500 | ₹2,999 |
| Fee waiver threshold | Lifetime free | ₹10,00,000/yr | ₹5,00,000/yr |
| Min income | ₹15,000/mo | ₹1,00,000/mo | ₹45,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,800/yr | -₹4,128/yr | ₹1,501/yr |
| Online shopping | 1% cashback → ₹100/mo (₹1,200/yr) | — | — |
| Travel | — | 5 pts per ₹150 spend → ₹167/mo (₹2,000/yr) | 6 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 10% off | 5 RP/₹150 | 4X reward points |
| Primary reward cap | No monthly cap published | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic + international (Priority Pass) · No minimum spend for lounge — invite-only metal card | Domestic lounge visits per year — verify count |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Not supported (Visa/MC) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet | Fuel · Rent · Wallet · EMI |
| Bonuses | |||
| Signup bonus | — | — | ₹3,000 |
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https://cardhungry.com/in/en/compare/axis-neo-vs-hdfc-infinia-vs-sbi-primeMore Axis Bank Neo Credit Card comparisons
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