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

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

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

Axis Bank Horizon Credit Card has a lower annual fee (₹0 vs ₹499).

Which card offers better lounge access?

Axis Bank Horizon Credit Card: 4/year domestic lounge (1 per quarter). HDFC Tata Neu Plus HDFC Bank Credit Card: 4/year domestic lounge.

Which card has a higher base reward rate?

Axis Bank Horizon Credit Card has higher base reward value (~2% vs ~0.25%).

Pairwise comparison Add another card →

Axis Bank Horizon vs HDFC Bank Tata Neu Plus RuPay Credit Cards – Fees, Lounge, Forex

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

Low fee Axis Bank Horizon upi HDFC Bank Tata Neu Plus RuPay

Quick comparison

Three core metrics

Horizon Axis Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter)

Tata Neu Plus RuPay HDFC Bank

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year

Reward earning explained

Per card

Horizon

2 pts / ₹100 on General spend

Limited data

Tata Neu Plus RuPay

1 pts / ₹100 on General spend

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Horizon: ₹0 vs HDFC Bank Tata Neu Plus RuPay: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Horizon: Limited data Tata Neu Plus RuPay: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 4/year (1 per quarter). Domestic lounge access is 4/year.

Horizon: Limited data Tata Neu Plus RuPay: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only Axis Bank Horizon has comparable evidence here. Estimated base reward value is ~2% on base spend.

Horizon: Limited data
Annual fee Axis Bank Horizon wins

Axis Bank Horizon is better for fees

Axis Bank Horizon is stronger here. Annual fee is ₹0.

Horizon: Limited data Tata Neu Plus RuPay: Limited data
upi HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for UPI usage

HDFC Bank Tata Neu Plus 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:

Horizon: ~₹1,000/month at base rate
Tata Neu Plus HDFC Bank: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Field	Horizon Axis Bank	Tata Neu Plus RuPay HDFC Bank
Lounge Access
Domestic lounge visits 4/year (1 per quarter) vs 4/year	4/year (1 per quarter)	4/year
International lounge visits Only available for Horizon	8/year	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹0 vs ₹499	₹0	₹499
Joining fee ₹0 vs ₹499	₹0	₹499
Fee waiver spend Only available for Tata Neu Plus HDFC Bank	Not specified	₹1,00,000
Rewards
Points per ₹100 2 pts vs 1 pts	2 pts	1 pts
Point cash value ₹1 vs ₹0.25	₹1	₹0.25

Notes

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