Which card has a lower forex fee: Axis Bank ACE Credit Card or HDFC Tata Neu Plus HDFC Bank Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank ACE Credit Card or HDFC Tata Neu Plus HDFC Bank Credit Card?

Both cards have the same annual fee (₹499 annual fee).

Which card offers better lounge access?

Axis Bank ACE Credit Card: 4 per year domestic lounge. HDFC Tata Neu Plus HDFC Bank Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Axis Bank ACE Credit Card has higher conservative base reward value (~1.5% vs ~1%).

Pairwise comparison Compare 3+ cards →

Axis Bank ACE vs HDFC Bank Tata Neu Plus RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank ACE and the HDFC Bank Tata Neu Plus RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

ACE

Tata Neu Plus RuPay

The short answer

Verdict

Pick ACE for rewards.

Pick Tata Neu Plus RuPay for upi.

Head-to-head

Three core metrics

Annual fee

ACE ₹499 Waivable at ₹2,00,000 spend

Tata Neu Plus RuPay ₹499 Waivable at ₹1,00,000 spend
Forex markup

ACE 3.5%

Tata Neu Plus RuPay 3.5%
Domestic lounge

ACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar months

Tata Neu Plus RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarter

Reward earning explained

Per card

ACE

1.5% · Up to 5% on Google Pay

Strong data

Tata Neu Plus RuPay

1 NeuCoins / ₹100 · 2 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs HDFC Bank Tata Neu Plus RuPay: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year vs 4/year (1 per quarter)).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 4 per year. Domestic lounge access is 1 per quarter.
Rewards Axis Bank ACE wins

Axis Bank ACE is better for rewards

Axis Bank ACE is stronger here. Axis Bank ACE conservative base value ~1.5% vs HDFC Bank Tata Neu Plus RuPay's ~1%.
upi HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for UPI usage

HDFC Bank Tata Neu Plus RuPay is stronger here. Supports UPI via RuPay network.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
Tata Neu Plus HDFC Bank: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	ACE Axis Bank	Tata Neu Plus RuPay HDFC Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 4/year vs 4/year (1 per quarter)	4/year	4/year (1 per quarter)
International lounge visits	No international lounge access	No international lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Recurring annual fee	₹499	₹499
Annual-fee waiver ₹2,00,000 vs ₹1,00,000	₹2,00,000	₹1,00,000
Monthly interest rate Only available for ACE	3.75% / month	Not specified
Late-payment charge Only available for Tata Neu Plus HDFC Bank	Not specified	₹100–₹1,300 depending on outstanding balance
Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap	1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap
Rewards
Base earn 1.5% vs 1 NeuCoins / ₹100	1.5%	1 NeuCoins / ₹100
Conservative base value ~1.5% vs ~1%	~1.5%	~1%
Earn ceiling ₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic) vs 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend	₹500 per statement cycle — shared across Google Pay (domestic), Ola (domestic), Swiggy (domestic) & Zomato (domestic)	1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid.	₹1	₹1
Point validity Only available for Tata Neu Plus HDFC Bank	Not specified	2 years

Notes

Axis Bank ACE Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
HDFC Tata Neu Plus HDFC Bank Credit Card: Condition: ₹50,000 spend in the calendar quarter
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Axis Bank ACE

Verify with issuer

HDFC Bank Tata Neu Plus RuPay

Verify with issuer