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

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

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

HDFC MoneyBack Plus Credit Card has a lower annual fee (₹500 annual fee vs ₹799 annual fee).

Which card offers better lounge access?

IndiGo Axis Bank Credit Card: 1 per quarter domestic lounge. HDFC MoneyBack Plus Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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

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

IndiGo

MoneyBack Plus

The short answer

Verdict

Pick IndiGo for lounge access.

Head-to-head

Three core metrics

Annual fee

IndiGo ₹799 Annual-fee waiver not offered

MoneyBack Plus ₹500 Waivable at ₹50,000 spend

MoneyBack Plus saves ₹299/yr
Forex markup

IndiGo 3.5%

MoneyBack Plus 3.5%
Domestic lounge

IndiGo 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

MoneyBack Plus No complimentary lounge access

IndiGo: +4 lounge visits/yr

Reward earning explained

Per card

IndiGo

1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo

Strong data

MoneyBack Plus

2 CashPoints / ₹150 · Up to 10 CashPoints / ₹100 on online spend

Strong data

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs HDFC Bank MoneyBack Plus: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Axis Bank IndiGo wins

Axis Bank IndiGo is better for lounge access

Axis Bank IndiGo is stronger here. Domestic lounge access is 1 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). HDFC Bank MoneyBack Plus conservative base value ~0.26666666666666666% per ₹100.

IndiGo: Strong data MoneyBack Plus: Strong data

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

MoneyBack Plus: ~₹130/month at base rate
IndiGo Axis Bank: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	IndiGo Axis Bank	MoneyBack Plus HDFC Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access	4/year (1 per quarter)	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Recurring annual fee ₹799 vs ₹500	₹799	₹500
Annual-fee waiver Not offered vs ₹50,000	Not offered	₹50,000
Monthly interest rate	3.75% / month	3.75% / month
Late-payment charge Only available for MoneyBack Plus	Not specified	₹100–₹1,300 depending on outstanding balance
Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded
Rewards
Base earn 1 pt / ₹100 vs 2 CashPoints / ₹150	1 pt / ₹100	2 CashPoints / ₹150
Conservative base value Not safely INR-comparable vs ~0.3%	Not safely INR-comparable	~0.3%
Earn ceiling 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend vs 2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend	750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend	2,500 CashPoints per month; at 10 CashPoints / ₹100, this lane reaches the cap at ₹25,000 of eligible spend
Point value (headline channel) Issuer headline rate at the travel/SmartBuy channel — not the lowest redemption option. Only available for MoneyBack Plus	Not specified	₹0.25
Point validity Only available for MoneyBack Plus	Not specified	2 years

Notes

IndiGo Axis Bank Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Axis Bank IndiGo

Verify with issuer

HDFC Bank MoneyBack Plus

Verify with issuer