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

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

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

Axis Bank Neo Credit Card has a lower annual fee (₹250 vs ₹499).

Which card offers better lounge access?

Axis Bank Neo Credit Card: No complimentary lounge access. Tata Neu Plus SBI Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Tata Neu Plus SBI Card has higher base reward value (~1% vs ~0.2%).

Pairwise comparison Compare 3+ cards →

Axis Bank Neo vs SBI Card Tata Neu Plus Credit Cards – Fees, Lounge, Forex

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

Lounge SBI Card Tata Neu Plus upi SBI Card Tata Neu Plus

Quick comparison

Three core metrics

Neo Axis Bank

Annual fee ₹250
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Tata Neu Plus SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous calendar quarter

Reward earning explained

Per card

Neo

1 pt / ₹100 on General spend

Tata Neu Plus

5 NeuCoins / ₹100 on Tata Neu Select Accelerated (Up to 5% extra on select cate…

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (Axis Bank Neo: ₹250 vs SBI Card Tata Neu Plus: ₹499), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access SBI Card Tata Neu Plus wins

SBI Card Tata Neu Plus is better for lounge access

SBI Card Tata Neu Plus is stronger here. Domestic lounge access is 1 per quarter.
upi SBI Card Tata Neu Plus wins

SBI Card Tata Neu Plus is better for UPI usage

SBI Card Tata Neu Plus 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 Plus SBI Card: ~₹500/month at base rate
Neo: ~₹100/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Neo Axis Bank	Tata Neu Plus SBI Card
Lounge Access
Domestic lounge visits No complimentary lounge access vs 1/quarter	No complimentary lounge access	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹250 vs ₹499	₹250	₹499
Joining fee ₹250 vs ₹499	₹250	₹499
Fee waiver spend Only available for Tata Neu Plus SBI Card	Not specified	₹1,00,000
Rewards
Points per ₹100	1 pts	1 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹1	₹0.2	₹1

Notes

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