Flipkart Axis Bank Credit Card vs Tata Neu Infinity HDFC Bank Credit Card
Compare Flipkart Axis Bank Credit Card, Tata Neu Infinity HDFC Bank Credit Card side by side: annual fees, interest rates, rewards and eligibility to find the right card for you.
Axis Bank •••• •••• •••• •••• Credit Card Compare Flipkart Axis Bank Credit Card | HDFC Bank •••• •••• •••• •••• Credit Card CompareVisa Tata Neu Infinity HDFC Bank Credit Card |
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Card details
CardIQ
How we calculate scores| Overall | 56Good | 59Good Highest |
|---|---|---|
| Airport lounge | – | 58/100 |
| Cashback | 87/100 | – |
| Lifetime free | 56/100 | – |
| Rewards | 24/100 | 53/100Highest |
| Travel | – | 68/100 |
The basics
| Card tier | Not published | Not published |
|---|---|---|
| Card type | Not published | Visa |
| Credit rating | Not published | Not published |
| Rewards program | None | NeuCoins (Tata Neu) |
| Credit limit | Not published | Not published |
Eligibility
| Minimum age | 18 years old | 21 years old |
|---|---|---|
| Minimum income | Not specified | ₹12,00,000 p.a. |
| Residency | Resident of India; primary cardholder aged 18 to 70 | Indian nationality; salaried aged 21 to 60 (monthly income ₹1,00,000); self-employed aged 21 to 65 (annual ITR above ₹12,00,000) |
| Joint application | Not published | Not published |
| Temporary residents | Not published | Not published |
| Instant approval | Not published | Not published |
Repayments
| Interest-free period | Up to 50 days | Up to 50 days |
|---|---|---|
| Minimum repayment | Sum of all instalments, fees, interest and finance charges, taxes, any amount over the credit limit and 2% of the remaining balance outstanding, plus any unpaid minimum due from earlier statements; at least ₹100, or the total due if that is below ₹100 (Axis Bank MITC) | 5% of (retail spends + cash advance + finance charge) plus GST, EMI amounts, 100% of fees and charges and any over-limit amount; where 5% is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (HDFC Bank MITC, from June 2025) |
Rates & fees
Ongoing interest rates
| Purchases | 55.55% p.a. | 45.00% p.a.Lowest |
|---|---|---|
| Cash advances | 55.55% p.a. | 45.00% p.a.Lowest |
Fees
| Annual fee | No annual feeLowest | ₹1,499 p.a. |
|---|---|---|
| Monthly fee | — | — |
| Additional cardholder fee | ₹0 | ₹0 |
| Cash advance fee | 2.5% of the amount | 2.5% of the amount |
| Foreign transaction fee | 3.5% | 2%Lowest |
| Late payment fee | ₹1,300 | ₹1,300 |
Rewards
How many points could you earn?
Enter your monthly spend to see estimated annual points for each card below.
Earn rate
| Everyday spend | None | 1.5 NeuCoins per ₹100 |
|---|---|---|
| Bonus categories | None | 5 NeuCoins per ₹100 in bonus categories |
| Other purchases | None | None |
| Overseas spend | None | None |
| Reduced rate above monthly cap | None | None |
| Points cap | — | Uncapped |
| Points expiry | — | 12 months from the end of the month in which they are credited to the Tata Neu account (from 1 August 2025) |
| Estimated annual points | – | 14,999 ptsWorth ₹14,999 |
Sign-up bonus
| Sign-up bonus | — | 1,499 points |
|---|---|---|
| Bonus spend required | — | 1 transaction within 30 days of card issuance (1,499 NeuCoins as reversal of the first-year fee; not for Lifetime Free and First Year Free cards) |
Cashback
| Sign-up cashback | — | — |
|---|---|---|
| Spend required | — | — |
| Ongoing cashback | 1% on eligible spend | — |
| Cashback cap | 7.5% on Myntra (capped at ₹4,000 per statement quarter), 5% on Flipkart and Cleartrip (capped at ₹4,000 per statement quarter per merchant), unlimited 4% on preferred merchants and unlimited 1% on other eligible categories; no cashback on utility and telecom, education, rent, wallet load, government services, insurance, gold and jewellery, fuel, financial institutions, cash advances and repayments. | — |
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- Tata Neu Infinity HDFC Bank Credit CardvsAmazon Pay ICICI Bank Credit Card
Sources
- Credit Card Compare
- How CardIQ scores cards