1.5% · Up to 5% on Google Pay
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Axis Bank ACE vs SBI Card Tata Neu Plus Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank ACE and the SBI Card Tata Neu Plus. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick ACE for rewards.
Pick Tata Neu Plus for upi.
Head-to-head
Three core metrics- Annual fee ACE ₹499 Waivable at ₹2,00,000 spendTata Neu Plus ₹499 Waivable at ₹1,00,000 spend
- Forex markup ACE 3.5%Tata Neu Plus 3.5%
- Domestic lounge ACE 4/year Conditional · Domestic: 4/year · requires ₹50,000 spend in the previous 3 calendar monthsTata Neu Plus 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card1 NeuCoins / ₹100 · Up to 5 NeuCoins / ₹100 on Tata Neu Select Accelerated
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Axis Bank ACE: ₹499 vs SBI Card Tata Neu Plus: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 4 per year. Domestic lounge access is 1 per quarter.
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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 SBI Card Tata Neu Plus's ~1%.
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upi SBI Card Tata Neu Plus wins SBI Card Tata Neu Plus is better for UPI usage
SBI Card Tata Neu Plus is stronger here. Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- ACE: ~₹750/month at base rate
- Tata Neu Plus SBI Card: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| Field | ACE Axis Bank | Tata Neu Plus SBI Card |
|---|---|---|
| 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 | 3.75% / month | 3.75% / month |
| Fuel benefit Only available for ACE | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap | Not specified |
| 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 SBI Card | Not specified | 2 years |
Notes
- Axis Bank ACE Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Tata Neu Plus SBI Card: Condition: ₹50,000 spend in the previous calendar quarter (unlocks the following 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 , opens external siteSBI Card Tata Neu Plus
Verify with issuer , opens external site