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

Axis Bank Cashback Credit Card has a lower annual fee (₹1,000 vs ₹1,499).

Which card offers better lounge access?

Axis Bank Cashback Credit Card: No domestic lounge. Tata Neu Infinity HDFC Bank Credit Card: 8/year domestic lounge.

Which card has a higher base reward rate?

Tata Neu Infinity HDFC Bank Credit Card has higher base reward value (~1.25% vs ~0.15%).

Pairwise comparison Add another card →

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

Side-by-side comparison of the Axis Bank Cashback 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 upi HDFC Bank Tata Neu Infinity RuPay

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

Tata Neu Infinity RuPay HDFC Bank

Annual fee ₹1,499 Waivable at ₹3,00,000 spend
Forex markup 2%
Domestic lounge 8/year

Reward earning explained

Per card

Cashback

7% on Online + 0.8% on General spend

Tata Neu Infinity RuPay

5 pts / ₹100 on General spend

Limited data

Pick based on what matters

6 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Cashback: ₹1,000 vs HDFC Bank Tata Neu Infinity RuPay: ₹1,499), forex markup (3.5% vs 2%), or lounge access (No lounge access vs 8/year).

Travel Insufficient data

Insufficient data to compare travel

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

Cashback: 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%.

Cashback: Limited data Tata Neu Infinity RuPay: Limited data
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 8/year.

Cashback: Limited data Tata Neu Infinity RuPay: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Estimated base reward value is ~1.3% on base spend.

Tata Neu Infinity RuPay: Limited data
Annual fee Insufficient data

Insufficient data to compare fees

Only Axis Bank Cashback has comparable evidence here. Annual fee is ₹1,000.

Cashback: Limited data Tata Neu Infinity RuPay: Limited data
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.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹630/month at base rate
Cashback: ~₹80/month at base rate

Illustrative only, using current base rates before caps.

Field	Cashback Axis Bank	Tata Neu Infinity RuPay HDFC Bank
Lounge Access
Domestic lounge visits No lounge access vs 8/year	No lounge access	8/year
International lounge visits Only available for Tata Neu Infinity HDFC Bank	Not specified	4/year
Forex / International Use
Forex markup 3.5% vs 2%	3.5%	2%
Fees
Annual fee ₹1,000 vs ₹1,499	₹1,000	₹1,499
Joining fee ₹1,000 vs ₹1,499	₹1,000	₹1,499
Fee waiver spend ₹4,00,000 vs ₹3,00,000	₹4,00,000	₹3,00,000
Rewards
Points per ₹100 0.75 pts vs 5 pts	0.75 pts	5 pts
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.