Side-by-side · honest numbers
Axis Bank Privilege Credit Card vs Axis Bank Reserve Credit Card vs HDFC Bharat Cashback Credit Card
Honest side-by-side comparison of Axis Bank Privilege Credit Card, Axis Bank Reserve Credit Card, HDFC Bharat Cashback 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 Privilege Credit Card ranks first for estimated net annual value — ahead of HDFC Bharat Cashback Credit Card by about ₹7,008/yr.
| Feature | Axis Bank Privilege Credit Card Axis Bank | Axis Bank Reserve Credit Card Axis Bank | HDFC Bharat Cashback Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,500 | ₹12,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,50,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹35,000/mo | ₹1,00,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,438/yr | -₹10,580/yr | ₹5,430/yr |
| Dining & delivery | — | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — |
| Fuel | — | — | 5% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Top reward rate | 2 EDGE miles/₹150 | 24 EDGE miles/₹150 | 5% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹250 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic & international lounge · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet loads · Insurance |
| Bonuses | |||
| Signup bonus | ₹12,500 | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Axis Bank Privilege Credit Card leads with an estimated ₹12,438/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback 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 Privilege Credit Card
Axis Bank
Axis Bank Reserve Credit Card
Axis Bank
HDFC Bharat Cashback Credit Card
HDFC Bank
Your adjusted comparison
| Feature | Axis BankPlatinum Axis Bank Privilege Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Privilege Credit Card Top reward2 EDGE miles/₹150 Annual fee₹1,500 Min income₹35,000/mo Tap to flip back Axis Bank Privilege Credit Card Axis Bank | Axis BankMetal Axis Bank Reserve Credit Card •••• •••• •••• 4242 Quick facts Axis Bank Reserve Credit Card Top reward24 EDGE miles/₹150 Annual fee₹12,500 Min income₹1,00,000/mo Tap to flip back Axis Bank Reserve Credit Card Axis Bank | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹1,500 | ₹12,500 | Lifetime free |
| Fee waiver threshold | Waived at ₹2,50,000/yr spend | No waiver published | Lifetime free |
| Min income | ₹35,000/mo | ₹1,00,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹12,438/yr | -₹10,580/yr | ₹5,430/yr |
| Dining & delivery | — | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — |
| Fuel | — | — | 5% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Top reward rate | 2 EDGE miles/₹150 | 24 EDGE miles/₹150 | 5% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹250 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | None | Unlimited domestic & international lounge · No minimum spend required for lounge access | None |
| UPI rewards | Not supported (Visa/MC) | Not supported (Visa/MC) | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet loads · Insurance |
| Bonuses | |||
| Signup bonus | ₹12,500 | — | — |
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https://cardhungry.com/in/en/compare/axis-privilege-vs-axis-reserve-vs-hdfc-bharatMore Axis Bank Privilege Credit Card comparisons
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