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 vs ₹1,499).

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 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.

Forex HDFC Bank Tata Neu Infinity RuPay Lounge HDFC Bank Tata Neu Infinity RuPay Rewards HDFC Bank Tata Neu Infinity RuPay upi HDFC Bank Tata Neu Infinity RuPay

Quick comparison

Three core metrics

Airtel Axis Bank

Annual fee ₹500 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge Removed

Tata Neu Infinity RuPay HDFC Bank

Annual fee ₹1,499 Waivable at ₹3,00,000 spend
Forex markup 2%
Domestic lounge 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Reward earning explained

Per card

Airtel

Tata Neu Infinity RuPay

1.5 NeuCoins / ₹100 · Up to 5 NeuCoins / ₹100 on BigBasket

Limited 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: Limited data Tata Neu Infinity RuPay: Limited 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.

Axis Bank Airtel

Confidence: Low (limited information available)

Verify with issuer

HDFC Bank Tata Neu Infinity RuPay

Confidence: Low (limited information available)

Verify with issuer

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.

Swipe for all fields

Field	Airtel Axis Bank	Tata Neu Infinity RuPay HDFC Bank
Lounge Access
Domestic lounge visits Removed vs 8/year (2 per quarter)	Removed	8/year (2 per quarter)
International lounge visits Only available for Tata Neu Infinity HDFC Bank	Not specified	4/year
Forex / International Use
Forex markup Source agreement differs — verify both. 3.5% vs 2%	3.5%	2%
Fees
Annual fee ₹500 vs ₹1,499	₹500	₹1,499
Joining fee ₹500 vs ₹1,499	₹500	₹1,499
Fee waiver spend ₹2,00,000 vs ₹3,00,000	₹2,00,000	₹3,00,000
Rewards
Base earn 1% vs 1.5 NeuCoins / ₹100	1%	1.5 NeuCoins / ₹100
Conservative base value ~1% vs ~1.5%	~1%	~1.5%
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

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.