Axis ACE vs HDFC Tata Neu Plus
Side-by-side credit card comparison to help you choose the best one.
Axis ACE
Why this card wins: Bill Payments — 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato
| Feature | ||
|---|---|---|
| Bank | Axis Bank | HDFC Bank |
| Card Type | Cashback | Cashback |
| Annual Fee | Lifetime Free | ₹499 + GST |
| Joining Fee | Nil | ₹499 + GST |
| Rewards | 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato | 5% NeuCoins on Tata brands, 1.5% on others |
| Best For | Bill Payments | Tata Ecosystem |
| Interest Rate | 3.40% per month (40.80% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | 500 NeuCoins on first txn |
| Min Income | ₹15,000/month | ₹15,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.6 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
Axis ACE
Bill Payments
Visa • Cashback
- No annual fee ever
- 5% cashback on utility bills via Google Pay
- 2% cashback on Swiggy, Zomato
- 1% cashback on all other spends
HDFC Tata Neu Plus
Tata Ecosystem
RuPay • Cashback
- 5% NeuCoins on Tata Neu, BigBasket, 1mg
- 1.5% NeuCoins on all other spends
- Fee waiver on ₹50,000 annual spend
- Complimentary Zomato Gold for 3 months
Verdict
Based on rating and overall value, Axis ACE ranks highest among your selected cards. It excels at Bill Payments and offers 5% cashback on bills via Google Pay, 2% on Swiggy & Zomato.
Frequently asked questions
Which is better: Axis ACE or HDFC Tata Neu Plus?
Axis ACE has the higher CardKhoj rating (4.6/5) and is best for bill payments. HDFC Tata Neu Plus is the better fit if your priority is tata ecosystem. The right choice depends on where you spend most.
Which has the lower annual fee: Axis ACE and HDFC Tata Neu Plus?
Axis ACE is cheaper to hold at Lifetime Free, compared with ₹499 + GST for HDFC Tata Neu Plus.
Do Axis ACE and HDFC Tata Neu Plus offer airport lounge access?
No. None of these cards include complimentary airport lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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