Which card has a lower forex fee: Axis Bank Cashback Credit Card or HDFC MoneyBack Plus Credit Card?

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

Which card has a lower annual fee: Axis Bank Cashback Credit Card or HDFC MoneyBack Plus Credit Card?

HDFC MoneyBack Plus Credit Card has a lower annual fee (₹500 vs ₹1,000).

Which card offers better lounge access?

Axis Bank Cashback Credit Card: No domestic lounge. HDFC MoneyBack Plus Credit Card: No domestic lounge.

Which card has a higher base reward rate?

HDFC MoneyBack Plus Credit Card has higher base reward value (~0.33% vs ~0.15%).

Pairwise comparison Add another card →

Axis Bank Cashback vs HDFC Bank MoneyBack Plus Credit Cards – Fees, Lounge, Forex

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

Low fee HDFC Bank MoneyBack Plus

Quick comparison

Three core metrics

Cashback Axis Bank

Annual fee ₹1,000 Waivable at ₹4,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

MoneyBack Plus HDFC Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

Cashback

7% on Online + 0.8% on General spend

MoneyBack Plus

2 pts / ₹150 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Cashback: ₹1,000 vs HDFC Bank MoneyBack Plus: ₹500), forex markup (3.5% vs 3.5%), or lounge access (No lounge access vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Cashback: Limited data MoneyBack Plus: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 0 visits/year.

Cashback: Limited data MoneyBack Plus: Limited data
Annual fee HDFC Bank MoneyBack Plus wins

HDFC Bank MoneyBack Plus is better for fees

HDFC Bank MoneyBack Plus is stronger here. HDFC Bank MoneyBack Plus has a lower annual fee (₹500 vs ₹1,000).

Cashback: Limited data MoneyBack Plus: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

MoneyBack Plus: ~₹170/month at base rate
Cashback: ~₹80/month at base rate

Illustrative only, using current base rates before caps.

Field	Cashback Axis Bank	MoneyBack Plus HDFC Bank
Lounge Access
Domestic lounge visits	No lounge access	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹1,000 vs ₹500	₹1,000	₹500
Joining fee ₹1,000 vs ₹500	₹1,000	₹500
Fee waiver spend Only available for Cashback	₹4,00,000	Not specified
Rewards
Reward points (base spend) 0.75 pts/₹100 vs 2 pts/₹150	0.75 pts/₹100	2 pts/₹150
Point cash value ₹0.2 vs ₹0.25	₹0.2	₹0.25

Notes

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