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).

Which card offers better lounge access?

Axis Bank ACE Credit Card: 4/year domestic lounge. HDFC Tata Neu Plus HDFC Bank Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

Axis Bank ACE Credit Card has higher base reward value (~1.5% vs ~0.25%).

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.

Quick comparison

Feature	ACE	Tata Neu Plus RuPay
Annual fee	₹499 Waivable at ₹2,00,000 spend	₹499 Waivable at ₹1,00,000 spend
Forex fee	3.5%	3.5%
Domestic lounge	4/year	4/year

Fees: Tie

Confidence: High

Forex: Tie

Confidence: Medium (verify with issuer)

Lounge: Tie

Confidence: Medium (verify with issuer)

ACE 5% on Bill payments + 1.5% on General spend Strong data

Tata Neu Plus RuPay 1 pts / ₹100 on General spend Strong data

Pick based on what matters

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).

Both cards are similar for forex Strong data vs Strong data Forex markup is 3.5%.
Both cards are similar for lounge access Strong data vs Strong data Domestic lounge access is 4/year.
Insufficient data to compare rewards Strong data vs Strong data Only Axis Bank ACE has comparable evidence here. Estimated base reward value is ~1.5% on base spend.
Both cards are similar for fees Strong data vs Strong data Annual fee is ₹499.
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.

Explore: Axis Bank ACE card page · HDFC Bank Tata Neu Plus RuPay card page · best credit cards in India

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

ACE: ~₹750/month at base rate
Tata Neu Plus HDFC Bank: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

	ACE Axis Bank	Tata Neu Plus RuPay HDFC Bank
Lounge Access
Domestic lounge visits	4/year	4/year
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹499	₹499
Joining fee	₹499	₹499
Fee waiver spend ₹2,00,000 vs ₹1,00,000	₹2,00,000	₹1,00,000
Rewards
Points per ₹100 1.5 pts vs 1 pts	1.5 pts	1 pts
Point cash value ₹1 vs ₹0.25	₹1	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

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

Quick comparison

Pick based on what matters

Related comparisons

Example usage at this monthly spend

Notes