Side-by-side · honest numbers
Axis Bank Reserve Credit Card vs Bajaj Finserv DBS Bank SuperCard vs HDFC Bharat Cashback Credit Card
Honest side-by-side comparison of Axis Bank Reserve Credit Card, Bajaj Finserv DBS Bank SuperCard, 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, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of Bajaj Finserv DBS Bank SuperCard by about ₹5,250/yr.
| Feature | Axis Bank Reserve Credit Card Axis Bank | Bajaj Finserv DBS Bank SuperCard DBS Bank | HDFC Bharat Cashback Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹12,500 | ₹999 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹1,00,000/mo | ₹25,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | ₹180/yr | ₹5,430/yr |
| Online shopping | — | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — | — |
| Fuel | — | — | 5% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Top reward rate | 24 EDGE miles/₹150 | 2X reward points | 5% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹250 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge · No minimum spend required for lounge access | None | 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 | EMI · Rent · Wallet loads · Insurance |
| Bonuses | |||
| Signup bonus | — | — | — |
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?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/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 Reserve Credit Card
Axis Bank
Bajaj Finserv DBS Bank SuperCard
DBS Bank
HDFC Bharat Cashback Credit Card
HDFC Bank
Your adjusted comparison
| Feature | 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 | DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS 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 | ₹12,500 | ₹999 | Lifetime free |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Lifetime free |
| Min income | ₹1,00,000/mo | ₹25,000/mo | ₹15,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹10,580/yr | ₹180/yr | ₹5,430/yr |
| Online shopping | — | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | — |
| Dining & delivery | 24 pts per ₹150 spend → ₹128/mo (₹1,536/yr) | — | — |
| Fuel | — | — | 5% cashback → ₹200/mo (₹2,400/yr) |
| Travel | 5 pts per ₹150 spend → ₹33/mo (₹400/yr) | — | — |
| Top reward rate | 24 EDGE miles/₹150 | 2X reward points | 5% cashback |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹250 rewards/mo cap |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic & international lounge · No minimum spend required for lounge access | None | 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 | EMI · Rent · Wallet loads · Insurance |
| Bonuses | |||
| Signup bonus | — | — | — |
Share this comparison
https://cardhungry.com/in/en/compare/axis-reserve-vs-bajaj-dbs-supercard-vs-hdfc-bharatMore Axis Bank Reserve Credit Card comparisons
- Axis Bank Reserve Credit Card vs 811 Dream Different Credit Card
- Axis Bank Reserve Credit Card vs AU Altura Credit Card
- Axis Bank Reserve Credit Card vs AU Zenith Credit Card
- Axis Bank Reserve Credit Card vs American Express Gold Card
- Axis Bank Reserve Credit Card vs American Express Platinum Travel Card
- Axis Bank Reserve Credit Card vs American Express SmartEarn Credit Card
- Axis Bank Reserve Credit Card vs Amex Membership Rewards CC
- Axis Bank Reserve Credit Card vs Axis Bank ACE Credit Card
- Axis Bank Reserve Credit Card vs Axis Bank Airtel Credit Card
- Axis Bank Reserve Credit Card vs Axis Bank Atlas Credit Card
- Axis Bank Reserve Credit Card vs Axis Bank Flipkart Credit Card
- Axis Bank Reserve Credit Card vs Axis Bank Magnus Credit Card