1 EDGE Miles / ₹150 · Up to 6 EDGE Miles / ₹150 on IndianOil
Strong data Pairwise comparison
Compare 3+ cards →
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.
The short answer
VerdictPick Tata Neu Infinity RuPay for spending abroad and rewards.
Head-to-head
Three core metrics- Annual fee IndianOil Axis Bank Premium RuPay saves ₹499/yrIndianOil Axis Bank Premium RuPay ₹1,000 Waivable at ₹30,000 spendTata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend
- Forex markup Tata Neu Infinity RuPay saves ~₹1,500 per ₹1L abroadIndianOil Axis Bank Premium RuPay 3.5%Tata Neu Infinity RuPay 2%
- Domestic lounge IndianOil Axis Bank Premium RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous 3 calendar monthsTata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter
Reward earning explained
Per card1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
Strong 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 (8/year (2 per quarter) 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%.
-
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 Tie Both cards are similar for lounge access
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 IndianOil Axis Bank Premium RuPay's ~0.7%.
-
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: ~₹750/month at base rate
- IndianOil Axis Bank Premium: ~₹330/month at base rate
Illustrative only, using current base rates before caps.
| Field | IndianOil Axis Bank Premium RuPay Axis Bank | Tata Neu Infinity RuPay HDFC Bank |
|---|---|---|
| Insurance — Air accident cover Only available for Tata Neu Infinity HDFC Bank | Not specified | ₹1 crore |
| Insurance — Emergency medical cover Only available for Tata Neu Infinity HDFC Bank | Not specified | ₹15 lakh |
| Insurance — Lost card liability cover Only available for Tata Neu Infinity HDFC Bank | Not specified | ₹9 lakh |
| Insurance — Underwriter Only available for Tata Neu Infinity HDFC Bank | Not specified | Insured by HDFC ERGO General Insurance Company Limited |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 8/year (2 per quarter) | 8/year (2 per quarter) |
| International lounge visits | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 2% | 3.5% | 2% |
| Fees | ||
| Recurring annual fee ₹1,000 vs ₹1,499 | ₹1,000 | ₹1,499 |
| First-year cost Only available for Tata Neu Infinity HDFC Bank | Not specified | ₹1,499 |
| Annual-fee waiver ₹30,000 vs ₹3,00,000 or more | ₹30,000 | ₹3,00,000 or more |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Tata Neu Infinity HDFC Bank | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap | 1% surcharge waiver | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap |
| Rewards | ||
| Base earn 1 EDGE Miles / ₹150 vs 1.5 NeuCoins / ₹100 | 1 EDGE Miles / ₹150 | 1.5 NeuCoins / ₹100 |
| Conservative base value ~0.7% vs ~1.5% | ~0.7% | ~1.5% |
| Earn ceiling 600 EDGE Miles per month; at 6 EDGE Miles / ₹150, this lane reaches the cap at ₹15,000 of eligible spend vs 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend | 600 EDGE Miles per month; at 6 EDGE Miles / ₹150, this lane reaches the cap at ₹15,000 of eligible spend | 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. | ₹1 | ₹1 |
| Point validity Only available for Tata Neu Infinity HDFC Bank | Not specified | 1 year |
Notes
- IndianOil Axis Bank Premium Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Tata Neu Infinity HDFC Bank Credit Card: Condition: ₹50,000 spend in the calendar quarter
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank IndianOil Axis Bank Premium RuPay
Verify with issuer , opens external siteHDFC Bank Tata Neu Infinity RuPay
Verify with issuer , opens external site