Credit Card RuPay - HDFC Bank v. Axis Bank- Which has the best RuPay Credit Card?

Credit Card RuPay - HDFC Bank v. Axis Bank- Which has the best RuPay Credit Card?

Credit cards have become an unavoidable part of financial products in the dynamic environment of the world of financial items, as they allow for controlling costs and benefits and gaining purchasing power. Among the numerous choices that may be made, HDFC Bank TATA Neu Infinity RuPay Credit Card and Axis Bank Fibe RuPay credit card have become popular with their own set of advantages in accordance with various customer requirements

The HDFC Bank TATA Neu Infinity RuPay Credit Card is an offer of a combination of unique returns, significant cashback prospects, and a systematic cohesion with TATA Neu. It serves people who want to optimise their spending benefits, in particular, in the TATA line of services and products.

The Axis Bank Fibe Rupay credit card, on the other hand, is geared towards offering new-age financial solutions, and its main aim will be to offer new digital banking experiences as well as rewarding systems that are appealing to the customers. It will appeal to the technologically conscious people who need a card that will support their active lifestyles.

This blog post will take a closer look at the comparison of these two credit cards, which will focus on the features, benefits, fees, and value propositions in general. Be it a long-time TATA customer or a lover of state-of-the-art financial products, the given comparison will assist you in seeing which card suits your financial needs and your lifestyle better.

Comparing HDFC Bank TATA Neu Infinity RuPay Credit Card and Axis Bank Fibe RuPay Credit Card

When selecting a credit card, you must be sure to take into account the benefits and features that would best fit into your spending patterns and financial objectives. We will now take a closer comparison of the HDFC Bank TATA Neu Infinity Rupay credit card and the Axis Bank Fibre Rupay credit card.

HDFC Bank TATA Neu Infinity RuPay Credit Card:

Rewards and Savings:

• Receive NeuCoins on Non-EMI Spends of 5% on Tata Neu and partner Tata Brands.

• Get 1.5% back in NeuCoins on Non-Tata Brand Spends as well as any Merchant EMI Spends.

• Further 5% back as NeuCoins on selected categories on the Tata Neu App/Website on account of registering Tata NeuPass.

  
  

Travel Benefits:

• Free Domestic Lounge Access: Eight (2 quarterly).

• Access to International Lounge: 4 times in a calendar year with Priority Pass.

  
  

Other Features:

• Zero loss in case of loss immediately reported.

• Markup on foreign currency spends: 2 per cent.

• Turnover of credit with a nominal rate of interest.

Fees:

• Joining Fee: [?]1,499 (remitted on expenditure in the previous year of [?]3 lakh or above).

• Renewal Fee: [?]1,499 + GST.

  
  

Axis Bank Fibe RuPay Credit Card:

Cashback:

• Cashback up to 3% on food delivery, entertainment and local commute.

• 1% cashback on all other spends.

  
  

Travel Benefits:

• Complimentary 4 domestic lounge visits annually.

  
  

Other Features:

• Free card with no joining fee and annual fee.

• Fuel Surcharge Waiver: Waiver will be applied to fuel expenditures ranging between [?]400 and [?]5000, waiver limit not exceeding [?]400 per month.

  
  

Fees:

• Finance Charges: 3.6 per month (52.86 per annum).

• Foreign Exchange Commission: 3.5% of the amount transacted.

The HDFC Bank TATA Neu Infinity Rupay Credit Card has a powerful rewards business, particularly for individuals who shop regularly with Tata brands and their affiliates. The other travel amenities, like international lounge access, render it an appropriate choice for people who travel regularly. It, however, has a cost of joining and renewing the membership, which is eliminated provided that certain amount of spending conditions are met.

Conversely, the Axis Bank Fibe RuPay credit card is a lifetime free card that gives cashback on a range of categories, hence making it an affordable option to use in everyday life. The domestic lounge membership is not redundant, and the fuel surcharge waiver is something pleasant to those who drive.

Finally, the credit card is better pegged to the needs of the customer. The HDFC Bank TATA Neu Infinity RuPay Credit Card can be a better option in case you are a regular user of the Tata brands and value rewards and travel benefits more. The Axis Bank Fibe Rupay Credit Card might provide the necessary alternative to those who want to have a no-fee card and a decent cashback. One should evaluate his/her spending habits and make the decision.

HDFC TATA Neu Infinity RuPay Credit Card FAQs

Q: What are the benefits of the HDFC TATA Neu Infinity RuPay Credit Card?

The card offers 5% cashback as NeuCoins on spends across various Tata Neu partner brands, complimentary lounge access, and insurance benefits like accidental death cover and overseas hospitalisation cover.

Q: What is the annual fee for the HDFC TATA Neu Infinity RuPay Credit Card?

The card has a joining fee of Rs. 1,499 + GST and a renewal fee of Rs. 1,499 + GST. However, the welcome benefit offers NeuCoins worth the first year's fee upon making your first transaction within 30 days of issuance.

Q: Is the HDFC TATA Neu Infinity RuPay Credit Card a contactless card?

Yes, the card is enabled for contactless payments for transactions up to Rs. 5,000.

Q: What is the interest rate applicable on the HDFC TATA Neu Infinity RuPay Credit Card?

The interest rate on unpaid balances is 3.49% per month.

Q: What are the NeuCoins earned with the HDFC TATA Neu Infinity RuPay Credit Card worth?

1 NeuCoin is equivalent to Re. 1 and can be redeemed for purchases on the Tata Neu app.

Q: Are there any spending requirements to waive the annual fee for the HDFC TATA Neu Infinity RuPay Credit Card?

No, there are no spending requirements to waive the annual fee. However, the welcome benefit effectively offsets the first year's fee.

Q: What are the eligibility criteria for applying for the HDFC TATA Neu Infinity RuPay Credit Card?

The eligibility criteria typically include having a good credit score (usually above 750) and meeting minimum income requirements set by HDFC Bank.

Q: Does the HDFC TATA Neu Infinity RuPay Credit Card offer any reward points other than NeuCoins?

No, this card offers rewards specifically as NeuCoins for spending on the Tata Neu platform.

Q: Where can I find the detailed terms and conditions of the HDFC TATA Neu Infinity RuPay Credit Card?

You can find the terms and conditions on the HDFC Bank website [HDFC Bank TATA Neu Infinity Card TnC].

Q: How do I contact HDFC Bank for any questions about the HDFC TATA Neu Infinity RuPay Credit Card?

You can contact HDFC Bank customer care through their website or by calling their customer care number.

Axis Bank Fibe RuPay Credit Card FAQs

Q: What are the joining and annual fees for the Axis Bank Fibe RuPay Credit Card?

There are no joining or annual fees for this card, making it a lifetime free credit card.

Q: What kind of cashback rewards do I get with this card?

The Axis Bank Fibe RuPay Credit Card offers a cashback program with two tiers:

• Earn a flat 3% cashback on online food delivery, entertainment spending on online ticketing platforms, and local commute via ride-hailing apps.

• Earn a 1% cashback on all other online and offline transactions (excluding some categories).

Q: Is the Axis Bank Fibe RuPay Credit Card a numberless card?

Yes, this is a unique feature of this card. It is India's first numberless credit card, enhancing security as the CVV details are not displayed on the physical card.

Q: Can I use UPI with the Axis Bank Fibe RuPay Credit Card?

Yes, being a RuPay card, this card allows you to link it to UPI platforms for convenient and quick transactions.

Q: What are the benefits offered for travel with this card?

The card offers complimentary domestic airport lounge access - up to 4 visits per year (1 access per quarter).

Q: Does the card provide any waivers on fuel surcharge?

Yes, you can avail a 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 5,000 (up to a maximum of Rs. 400 per billing cycle).

Q: Are there any other reward programs or benefits with this card?

The Axis Bank Fibe RuPay Credit Card might offer additional benefits like Axis Bank Dining Delights program with discounts at partner restaurants and other offers subject to change. It's recommended to check with the bank for the latest updates.

Q: Who is eligible to apply for the Axis Bank Fibe RuPay Credit Card?

Currently, this card is only available to existing customers of Fibe, the lending platform that partnered with Axis Bank for this card.

Q: How can I activate my Axis Bank Fibe RuPay Credit Card?

You can activate the card by following these steps:

• Visit the Axis Bank website and go to the Credit Card section.

• Click on Fibe Axis Bank Credit Card.

• Enter the activation code provided in your physical welcome letter.

• This will take you to the Card Control Settings page where you can set up your preferences.

Q: Where can I find more information about the Axis Bank Fibe RuPay Credit Card?

You can visit the websites of Axis Bank https://www.axisbank.com/ and Fibe https://www.fibe.in/financial-dictionary/add-on-credit-card/ for the latest information and details about the card.

Download the MyRupaya App

Compare, choose, and discover all the best offers on credit cards in India — all in one place

Download the app now