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

Tata Neu Infinity HDFC Bank Credit Card has lower forex markup (2% vs 3.5%).

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

Airtel Axis Bank Credit Card has a lower annual fee (₹500 annual fee vs ₹1,499 annual fee).

Which card offers better lounge access?

Airtel Axis Bank Credit Card: Lounge access removed from 12 April 2026. Tata Neu Infinity HDFC Bank Credit Card: 2 per quarter domestic lounge.

Which card has a higher base reward rate?

Tata Neu Infinity HDFC Bank Credit Card has higher conservative base reward value (~1.5% vs ~1%).

Pairwise comparison Compare 3+ cards →

Axis Bank Airtel vs HDFC Bank Tata Neu Infinity RuPay Credit Cards – Fees, Lounge, Forex

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

Airtel

Tata Neu Infinity RuPay

The short answer

Verdict

Pick Tata Neu Infinity RuPay for spending abroad, lounge access, rewards and upi.

Head-to-head

Three core metrics

Annual fee

Airtel ₹500 Waivable at ₹2,00,000 spend

Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend

Airtel saves ₹999/yr
Forex markup

Airtel 3.5%

Tata Neu Infinity RuPay 2%

Tata Neu Infinity RuPay saves ~₹1,500 per ₹1L abroad
Domestic lounge

Airtel Removed

Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Tata Neu Infinity RuPay: +8 lounge visits/yr

Reward earning explained

Per card

Airtel

Strong data

Tata Neu Infinity RuPay

1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Airtel: ₹500 vs HDFC Bank Tata Neu Infinity RuPay: ₹1,499), forex markup (3.5% vs 2%), or lounge access (Removed vs 8/year (2 per quarter)).

Travel Insufficient data

Insufficient data to compare travel

Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Forex markup is 2%.

Airtel: Strong data Tata Neu Infinity RuPay: Strong data
Forex markup HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for forex

HDFC Bank Tata Neu Infinity RuPay is stronger here. Forex markup is 2%.
Lounge access HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for lounge access

HDFC Bank Tata Neu Infinity RuPay is stronger here. Domestic lounge access is 2 per quarter.
Rewards HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for rewards

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

HDFC Bank Tata Neu Infinity RuPay is better for UPI usage

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

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
Airtel Axis Bank: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Airtel Axis Bank	Tata Neu Infinity RuPay HDFC Bank
Insurance — Air accident cover Only available for Tata Neu Infinity HDFC Bank	Not specified	₹1 crore
Insurance — Emergency medical cover Only available for Tata Neu Infinity HDFC Bank	Not specified	₹15 lakh
Insurance — Lost card liability cover Only available for Tata Neu Infinity HDFC Bank	Not specified	₹9 lakh
Insurance — Underwriter Only available for Tata Neu Infinity HDFC Bank	Not specified	Insured by HDFC ERGO General Insurance Company Limited
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats Removed vs 8/year (2 per quarter)	Removed	8/year (2 per quarter)
International lounge visits	No international lounge access	No international lounge access
Forex / International Use
Forex markup 3.5% vs 2%	3.5%	2%
Fees
Recurring annual fee ₹500 vs ₹1,499	₹500	₹1,499
First-year cost Only available for Tata Neu Infinity HDFC Bank	Not specified	₹1,499
Annual-fee waiver ₹2,00,000 vs ₹3,00,000 or more	₹2,00,000	₹3,00,000 or more
Monthly interest rate	3.75% / month	3.75% / month
Late-payment charge Only available for Tata Neu Infinity HDFC Bank	Not specified	₹100–₹1,300 depending on outstanding balance
Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap	1% surcharge waiver · ₹400–₹4,000 transactions · ₹500/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap
Rewards
Base earn Some reward lanes are unsupported — base rate only for comparison. 1% vs 1.5 NeuCoins / ₹100	1%	1.5 NeuCoins / ₹100
Conservative base value ~1% vs ~1.5%	~1%	~1.5%
Earn ceiling 2× base cashback earned in the same month vs 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend	2× base cashback earned in the same month	2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Tata Neu Infinity HDFC Bank	Not specified	₹1
Point validity Only available for Tata Neu Infinity HDFC Bank	Not specified	1 year

Notes

Tata Neu Infinity 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 Airtel

Verify with issuer

HDFC Bank Tata Neu Infinity RuPay

Verify with issuer