Side-by-side · honest numbers
Axis Bank Neo Credit Card vs HDFC MoneyBack+ Credit Card vs RBL Bank ShopRite
Honest side-by-side comparison of Axis Bank Neo Credit Card, HDFC MoneyBack+ Credit Card, RBL Bank ShopRite — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
Axis Bank Neo Credit Card
Axis Bank
HDFC MoneyBack+ Credit Card
HDFC Bank
RBL Bank ShopRite
RBL Bank
Your adjusted comparison
| Feature | Axis Bank Neo Credit Card Axis Bank | HDFC MoneyBack+ Credit Card HDFC Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹500 | ₹500 |
| Fee waiver threshold | Lifetime free | Waived at ₹50,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,020/yr | ₹948/yr | ₹560/yr |
| Online shopping | — | ₹2,400 → 240 pts/mo × ₹0.25/pt = ₹60/mo (₹720/yr) | — |
| Groceries (offline) | — | — | ₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached |
| Top reward rate | 10% off | 10X points | 5% on first ₹1,000/mo |
| Primary reward cap | No monthly cap published | ₹2,500/mo | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Earns: 2 CashPoints per ₹200 on UPI spends (RuPay variant) · cap 500 points/month on UPI | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per RBL MITC |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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https://cardhungry.com/in/en/compare/axis-neo-vs-hdfc-moneyback-plus-vs-rbl-shopriteReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Axis Bank Neo Credit Card ranks first for estimated net annual value — ahead of HDFC MoneyBack+ Credit Card by about ₹72/yr.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | Axis Bank Neo Credit Card Axis Bank | HDFC MoneyBack+ Credit Card HDFC Bank | RBL Bank ShopRite RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹500 | ₹500 |
| Fee waiver threshold | Lifetime free | Waived at ₹50,000/yr spend | Waived at ₹1,50,000/yr spend |
| Min income | ₹15,000/mo | ₹20,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹1,020/yr | ₹948/yr | ₹560/yr |
| Online shopping | — | ₹2,400 → 240 pts/mo × ₹0.25/pt = ₹60/mo (₹720/yr) | — |
| Groceries (offline) | — | — | ₹1,000 × 5% = ₹50/mo (₹600/yr) · cap reached |
| Top reward rate | 10% off | 10X points | 5% on first ₹1,000/mo |
| Primary reward cap | No monthly cap published | ₹2,500/mo | ₹1,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | None | None | None |
| UPI rewards | Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply | Earns: 2 CashPoints per ₹200 on UPI spends (RuPay variant) · cap 500 points/month on UPI | Earns: Earns on eligible UPI spends via the RuPay variant · cap Per RBL MITC |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | — | ₹500 | — |
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 ₹1,020/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.
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