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?

Swiggy ORNGE HDFC Bank Credit Card leads with an estimated ₹7,980/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.

Side-by-side · honest numbers

Axis Bank Neo Credit Card vs Swiggy ORNGE HDFC Bank Credit Card

Honest side-by-side comparison of Axis Bank Neo Credit Card, Swiggy ORNGE HDFC Bank Credit Card — 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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Change spend profile or swap cards — results update live below.

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

Axis Bank Neo Credit Card

Axis Bank

Card 2

Swiggy ORNGE HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature	Axis Bank Neo 4532 -325 7041 2256 Valid thru 12/28 Acc CREDIT Card holder AXIS BANK NEO CREDIT C Customer service Axis Bank · 1800-XXX-XXXX Authorized signature CVV••• Axis Bank Neo Credit Card Top reward: 10% off Annual fee: Lifetime Free Min income: ₹15,000/mo Property of Axis Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back Axis Bank Neo Credit Card Axis Bank	Swiggy ORNGE HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	Lifetime free	₹500
Fee waiver threshold	Lifetime free	Waived at ₹1,50,000/yr spend
Min income	₹15,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,020/yr	₹7,980/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Dining & delivery	—	₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo
Top reward rate	10% off	5%
Primary reward cap	No monthly cap published	₹1,500 rewards/mo cap
UPI rewards	Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus	—	—

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

Axis Bank Neo Credit Card details →Swiggy ORNGE HDFC Bank Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Swiggy ORNGE HDFC Bank Credit Card leads Axis Bank Neo Credit Card by about ₹6,960/yr in estimated net value.

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

Axis Bank Neo Credit Card vs Swiggy ORNGE HDFC Bank Credit Card comparison table
Feature	Axis Bank Neo Credit Card Axis Bank	Swiggy ORNGE HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	Lifetime free	₹500
Fee waiver threshold	Lifetime free	Waived at ₹1,50,000/yr spend
Min income	₹15,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹1,020/yr	₹7,980/yr
Online shopping	—	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,500/mo
Dining & delivery	—	₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹1,500/mo
Top reward rate	10% off	5%
Primary reward cap	No monthly cap published	₹1,500 rewards/mo cap
UPI rewards	Earns: Per Neo reward structure on eligible spends · cap Issuer caps apply	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent · Wallet loads
Bonuses
Signup bonus	—	—

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?: Swiggy ORNGE HDFC Bank Credit Card leads with an estimated ₹7,980/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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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