Side-by-side · honest numbers
Axis Bank SELECT Credit Card vs Tata Neu Plus HDFC Bank Credit Card
Honest side-by-side comparison of Axis Bank SELECT Credit Card, Tata Neu Plus HDFC Bank 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, Tata Neu Plus HDFC Bank Credit Card leads Axis Bank SELECT Credit Card by about ₹3,591/yr in estimated net value.
| Feature | Axis Bank SELECT Credit Card Axis Bank | Tata Neu Plus HDFC Bank Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹3,000 | ₹499 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹62/yr | ₹3,529/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 2 EDGE miles/₹150 | 5% NeuCoins |
| Primary reward cap | No monthly cap published | ₹2,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹499 |
Frequently asked questions
- Which card has the lower annual fee?
- Tata Neu Plus HDFC Bank Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Tata Neu Plus HDFC Bank Credit Card leads with an estimated ₹3,529/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Tata Neu Plus HDFC Bank Credit Card lists a minimum monthly income of ₹25,000.
- 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 SELECT Credit Card
Axis Bank
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
Your adjusted comparison
| Feature | Axis BankPlatinum Axis Bank SELECT Credit Card •••• •••• •••• 4242 Quick facts Axis Bank SELECT Credit Card Top reward2 EDGE miles/₹150 Annual fee₹3,000 Min income₹50,000/mo Tap to flip back Axis Bank SELECT Credit Card Axis Bank | HDFC BankGold Tata Neu Plus HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Tata Neu Plus HDFC Bank Credit Card Top reward5% NeuCoins Annual fee₹499 Min income₹25,000/mo Tap to flip back Tata Neu Plus HDFC Bank Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹3,000 | ₹499 |
| Fee waiver threshold | Waived at ₹3,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹50,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹62/yr | ₹3,529/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) |
| Travel | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Top reward rate | 2 EDGE miles/₹150 | 5% NeuCoins |
| Primary reward cap | No monthly cap published | ₹2,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Domestic lounge — typically 2 visits per quarter · Minimum spend required — see issuer T&Cs for current threshold | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹499 |
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