- Annual fee ₹1,000 Waivable at ₹30,000 spend
- Forex markup 3.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar months
Pairwise comparison
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Axis Bank IndianOil Axis Bank Premium RuPay vs HDFC Bank Tata Neu Infinity RuPay Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndianOil Axis Bank Premium RuPay 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
Quick comparison
Three core metrics- Annual fee ₹1,499 Waivable at ₹3,00,000 spend
- Forex markup 2%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter
Reward earning explained
Per card6 EDGE Miles / ₹150 on IndianOil (domestic) + 1 EDGE Miles / ₹150 on General sp…
Limited data5 NeuCoins / ₹100 on General spend
Limited dataPick based on what matters
5 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndianOil Axis Bank Premium RuPay: ₹1,000 vs HDFC Bank Tata Neu Infinity RuPay: ₹1,499), forex markup (3.5% vs 2%), or lounge access (2/quarter vs 2/quarter).
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Travel Insufficient data Insufficient data to compare travel
Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Forex markup is 2%.
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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%.
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Lounge access Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Estimated base reward value is ~5% on base spend.
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upi Tie Both cards are similar for UPI usage
Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Infinity HDFC Bank: ~₹2,500/month at base rate
- IndianOil Axis Bank Premium: Base earn not clearly specified
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | IndianOil Axis Bank Premium RuPay Axis Bank | Tata Neu Infinity RuPay HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/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 ₹1,000 vs ₹1,499 | ₹1,000 | ₹1,499 |
| Joining fee ₹1,000 vs ₹1,499 | ₹1,000 | ₹1,499 |
| Fee waiver spend ₹30,000 vs ₹3,00,000 | ₹30,000 | ₹3,00,000 |
| Rewards | ||
| Reward points (base spend) 1 pts/₹150 vs 5 pts/₹100 | 1 pts/₹150 | 5 pts/₹100 |
| 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 | 2 years |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.