Axis Bank Neo Credit Card vs HDFC Bank MoneyBack+ Credit Card
Axis Bank · HDFC Bank — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
Axis BankScoreFair
Annual Fee₹250
Max Reward0.5%
HDFC BankScoreGood
Annual Fee₹500
Max Reward2%
HDFC Bank MoneyBack+ Credit Card leads overall with a CardCheck Score of 64/100 (+11 pts over Axis Bank Neo Credit Card).
4-Pillar Head-to-Head Breakdown
Axis vs HDFCReward Power
35%Axis15/35
HDFC24/35
HDFC Wins
Fee Value & ROI
25%Axis22/25
HDFC24/25
HDFC Wins
Lounge & Travel
20%Axis4/20
HDFC4/20
Tie (4/20)
Forex & Access
20%Axis12/20
HDFC12/20
Tie (12/20)
01—CardCheck Score & Pillars
- CardCheck Score
- 53
- 64Best
- Rating Verdict
- Fair
- Good
- Reward Power (35%)
- 15/35
- 24/35
- Fee Value & ROI (25%)
- 22/25
- 24/25
- Lounge & Travel (20%)
- 4/20
- 4/20
- Forex & Access (20%)
- 12/20
- 12/20
02—Basic Info
- Bank
- Axis Bank
- HDFC Bank
- Network
- RuPay
- Visa
- Card type
- Regular
- Regular
- Best for
- Ultra-low fee beginners card — flat-rupee capped discounts on Zomato, Blinkit, Paytm utilities, BMS
- Online Shopping
03—Fees
- Joining fee
- ₹250Best
- ₹500
- Annual fee
- ₹250Best
- ₹500
- Fee waiver
- —
- ₹50,000
- Interest-free days
- —
- 50
04—Interest
- APR (min)
- 55.55%
- 42%Best
- APR (max)
- 55.55%
- 42%Best
- Late payment fee
- ₹1,200
- —
- Cash advance fee
- 2.5%
- —
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.5%
- 1%Best
- Max rate
- 0.5%
- 2%Best
- Points / ₹100
- 0.5
- —
- Point value
- —
- ₹0.3
06—Travel & Lounge
- Domestic lounge / qtr
- —
- 0
- Intl lounge / year
- —
- 0
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 3.5%
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min age
- 18
- 21
- Min income / month
- —
- ₹25,000
- Min CIBIL
- —
- 700
- Invite only
Rows won
02of 07
05of 07
| Attribute ↓ | Column A | ★ Overall pick Column B |
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 53 | 64Best |
| Rating Verdict | Fair | Good |
| Reward Power (35%) | 15/35 | 24/35 |
| Fee Value & ROI (25%) | 22/25 | 24/25 |
| Lounge & Travel (20%) | 4/20 | 4/20 |
| Forex & Access (20%) | 12/20 | 12/20 |
02—Basic Info Differences highlighted | ||
| Bank | Axis Bank | HDFC Bank |
| Network | RuPay | Visa |
| Card type | Regular | Regular |
| Best for | Ultra-low fee beginners card — flat-rupee capped discounts on Zomato, Blinkit, Paytm utilities, BMS | Online Shopping |
03—Fees Differences highlighted | ||
| Joining fee | ₹250Best | ₹500 |
| Annual fee | ₹250Best | ₹500 |
| Fee waiver | — | ₹50,000 |
| Interest-free days | — | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 55.55% | 42%Best |
| APR (max) | 55.55% | 42%Best |
| Late payment fee | ₹1,200 | — |
| Cash advance fee | 2.5% | — |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.5% | 1%Best |
| Max rate | 0.5% | 2%Best |
| Points / ₹100 | 0.5 | — |
| Point value | — | ₹0.3 |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | — | 0 |
| Intl lounge / year | — | 0 |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min age | 18 | 21 |
| Min income / month | — | ₹25,000 |
| Min CIBIL | — | 700 |
| Invite only | ||
| Rows won | 02of 07 | 05of 07 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | Axis Bank Neo Credit Card | HDFC Bank MoneyBack+ Credit Card |
|---|---|---|
| CardCheck Score | 53/100Fair | 64/100Good |
| Annual Fee | ₹250 | ₹500 |
| Fee Waiver Spend | No waiver | ₹50,000/yr |
| Max Reward Potential | 0.5% | 2% |
| Domestic Lounge Access | Check terms | None |
| International Lounge | None | None |
| Forex Markup Fee | 3.5% | 3.5% |
Choose Axis Bank Neo Credit Card if:
Your spending centers around ultra-low fee beginners card — flat-rupee capped discounts on zomato, blinkit, paytm utilities, bms and you want direct partner rewards with Axis Bank.
Choose HDFC Bank MoneyBack+ Credit Card if:
Your spending aligns with online shopping and you prioritize HDFC Bank's redemption benefits.
Frequently asked questions: Axis Bank Neo Credit Card vs HDFC Bank MoneyBack+ Credit Card
- Which is better: Axis Bank Neo Credit Card or HDFC Bank MoneyBack+ Credit Card?
- HDFC Bank MoneyBack+ Credit Card holds a higher overall rating with a CardCheck Score of 64/100 (Good) compared to 53/100 (Fair) for Axis Bank Neo Credit Card (a lead of +11 points). HDFC Bank MoneyBack+ Credit Card provides better net value across rewards and fee structures.
- How do annual fees and fee waiver spend rules compare?
- Axis Bank Neo Credit Card charges an annual fee of ₹250 with no official annual spend waiver milestone for renewal fee waiver. In comparison, HDFC Bank MoneyBack+ Credit Card charges an annual fee of ₹500 with an annual spend threshold of ₹50,000.
- How do the reward rates and cashback compare between Axis Bank Neo Credit Card and HDFC Bank MoneyBack+ Credit Card?
- Axis Bank Neo Credit Card offers a base reward rate of 0.5% and up to 0.5% on accelerated partner categories. Meanwhile, HDFC Bank MoneyBack+ Credit Card offers a base rate of 1% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: Axis Bank Neo Credit Card or HDFC Bank MoneyBack+ Credit Card?
- Axis Bank Neo Credit Card provides no complimentary airport lounge access. On the other hand, HDFC Bank MoneyBack+ Credit Card provides no complimentary airport lounge access.
- Which card is better for international foreign currency spends?
- Axis Bank Neo Credit Card levies a foreign currency markup fee of 3.5%, while HDFC Bank MoneyBack+ Credit Card charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).