Best Credit Cards Of HDFC Bank And Axis Bank:

Friends, it has taken a long time to do this research, but in this article we are going to give you very new and beneficial information. Today we will learn about some unique credit cards of HDFC and Axis Bank. We have some credit cards whose renewal fee is going every year, but we are not getting any rewards from those credit cards. Now when you can get better credit cards from them, then there is no point in keeping these credit cards. Therefore, in this article, our effort will be that which are the cards which we can get from Axis Bank Credit Card vs HDFC Bank Credit Card.

We will also know about the higher credit cards of these HDFC and Axis bank and we will also know about their entry level credit cards and in the end we will also know about some of their Excusive Credit Cards in which you are provided with Excusive Benefits. Now you must be well aware that there are only two such banks within the industry which provide you the best credit cards – HDFC and Axis Bank.

We are going to tell you straight away which are the best credit cards from HDFC Bank and which are the best credit cards from Axis Bank that you can get? You can get means that there are some credit cards which are Invitation Only, so we have not included those credit cards in this list.

Axis Bank Credit Card vs HDFC Bank Credit Card

HDFC Bank And Axis Bank Super Premium Credit Cards:

Let us first know about the Premium Credit cards of both these banks. These credit cards are suitable for those who generate a little high income –

	HDFC Bank  Regalia Gold Credit Card	Axis Bank Magnus Credit Card
Joining Fee	Rs 2,500+Taxes	Rs 10,000+Taxes
Renewal Fee	Rs 2,500+Taxes	Rs 10,000+Taxes
Spend Based Reversal	Fee Reversal on >4 lakh spend/year	Fee Reversal on >15 lakh spend/year
Welcome Rewards	Gift voucher of Rs 2500 Make My Trip Black Elite Membership & Club Vistara Silver Tier Membership on spending 1 Lakh in first 90 days.	Tata Cliq Voucher or Free Domestic Flight Ticket worth Rs. 10,000
Reward Points	20 RPs on every Rs. 150 Spent on Myntra, Marks & Spencers, Nykaa, and Reliance Digital 4 RPs on every Rs 150 Spent on retail	12 RPs on every Rs. 200 Spent 5X RPs on spends on Travel Edge
Rewards Points Rate	1 RP = Rs. 0.5 Get upto Rs. 6.67 for each Rs 100 spent	1 RP = Rs. 0.2 Get upto Rs 6 for each Rs 100 Spent
Domestic Lounge Visits	12 Complimentary	Unlimited
International Lounge Visits	6 Complimentary with Priority Pass	Unlimited for primary cardholder  8 Complimentary with Priority Pass for guests
Entertainment	NA	Boolmyshow – Get upto Rs 500 off on second ticket
Dining	Upto 20% Discount via Swiggy Dineout	Upto 40% Discount via Easydiner
Milestone Benefits	Rs 1500 voucher on spending 1.5 lakh/quarter. Rs 5000 flight voucher on spending >5lakh/year. Rs 5000 flight voucher on spending > 7.5 lakh/year.	NA

Let us now understand this table better-

Fee: Now here we can notice one thing that the joining fee and renewal fee of HDFC Regalia Gold Credit Card is less and the renewal reversal you are getting in this is only on the spending of 4 Lakh. And on the contrary, the joining fee and renewal fee of Axis Bank’s Magnus Credit Card is more than this and its renewal reversal is also available on spending of 15 lakhs.

Welcome Rewards: With Axis Bank’s Magnus Credit Card, you get Tata Cliq vouchers or domestic flight tickets worth up to ₹10,000 as Welcome Rewards. Now if you are paying a renewal fee of ₹ 10000 for this credit card of Axis Bank, then at least you get a domestic flight ticket.

And in HDFC Bank’s credit card you get a voucher of ₹ 2500 on paying a renewal fee of ₹ 2500 and apart from this you get membership of Make My Trip and Club Vistara Silver Tier. Now many people do not even know that there is a membership of Club Vistara Silver Tier on their cards. If you have booked an Economy class flight ticket, you can upgrade your class one level through this membership. But you will get these benefits only when you spend 1 lakh in 90 days.

Reward Points: Reward points play a very important role in any credit card and before applying for any credit card, we definitely see the value of its reward points and how much we spend on how many reward points we get. With HDFC’s Regalia Credit Card, you get 20 Rewards Points for every Rs 150 spent on Myntra, Marks & Spencers, Nykaa, and Reliance Digital. Apart from this, you will get 4 Rewards Points on every Rs 150 spent on all the rest of the spending. The value of one Reward Point of this HDFC Credit Card is 50 paise.

Now the value of one reward point of Axis Bank is approximately 20 paise. In this, you are getting 12 reward points for every Rs 200 spent and these reward points become 5X on Travel Edge.

Lounge Access: You get 12 Complimentary Domestic Lounge Access and 6 Complimentary International Lounge Access on HDFC Bank’s Regalia Credit Card and you get Unlimited Domestic Lounge Access in Axis Bank’s Magnus Credit Card and for the primary card holder here you get International Lounge Access also unlimited.

Milestone Benefits: You get many Milestone Benefits in HDFC’s Regalia Credit Card, which you do not get to see in Magnus Credit Card of Axis Bank.

• If you have spent more than 1.5 lakhs in a quarter with this HDFC credit card, then you will get a voucher of Rs.1500.
• If you spend more than 5 lakhs in a year, you will get Rs.5000 flight voucher and if you spend more than 7.5 lakhs, you will get Rs.5000 flight voucher.

HDFC Bank And Axis Bank Entry Level Credit Cards:

Here we have talked about premium cards of HDFC and Axis Bank. Now let us talk about their top Entry-Level Cards. Now entry-level credit cards are good for those people who do not have very good ITR or do not have very good bank statement or do not have very good salary, then such people easily get entry level credit cards. Now you get very good benefits in such cards also, that’s why we are showing them by comparing them.

Now in Top Entry Level Credit Cards, you get HDFC Bank’s Tata Neu Plus Crediit Card and Axis Bank’s Axis Bank Flipkart Card.

	HDFC Bank  HDFC Tata Neu Plus Card	Axis Bank Axis Bank Flipkart Card
Joining Fee	Rs 500 + GST	Rs 500 + GST
Renewal Fee	Rs 500 + GST	Rs 500 + GST
Spend Based Reversal	Fee Reversal on >1 lakh spend/year	Fee Reversal on >2 lakh spend/year
Welcome Rewards	499 Tata Neu coins = Rs 499 On First Transaction Within 30 days	Rs 500 Flipkart voucher  15% cashback upto Rs 500 on Myntra on first transaction within 30 days
Rewards Points	2% cashback on Tata brands 1% cashback on Non-Tata brands  Additional 5% cashback on TataNeu App through Neu Pass	5% Cashback on Flipkart and Myntra  4% cashback on swiggy, Uber, PVR 1.5% cashback on other spends
Domestic Lounge Visits	4 Complimentary Visits/Year	4 Complimentary Visits/Year
Dining	NA	Upto 20% off at Axis Bank Partner restaurants
Fuel Surcharge Waiver	1% Fuel Surcharge Waiver at All fuel stations across india (maximum Rs 250/billing cycle)	1% Fuel Surcharge Waiver at All fuel stations across india

Here, I want to tell you in short that we liked the Flipkart Axis Bank Credit Card of Axis Bank very much. Now why we liked this card, we will tell you the reason for it-

Fee: Understand the comparison of these two credit cards very carefully, only then you will be able to know these two cards very well. In both these cards, you have to pay Joining and Renewal Fee of Rs 500 + GST and it becomes Reversal on the spending of 1 Lakh/Year in your HDFC Bank and this fee becomes your Reversal on the spending of 2 Lakh/Year in Axis Bank.

Rewards & Benefits: Now we directly know about the important benefits of these two credit cards. First we know about the benefits of Flipkart Credit card of Axis Bank –

• If you buy any item from Flipkart or Myntra with Flipkart Card of Axis Bank, then you get flat 5% cashback. Therefore, if you do more shopping than Flipkart or Myntra, then this card is best for you.
• If you use Swiggy, Uber or PVR, then there you also get 4% cashback from this credit card.
• Apart from this, you get a cashback of 1.5% on all other spends.

Now we know about the benefits of HDFC’s Tata Neu Plus Card. Here you will get 499 Tata Coins in Welcome Reward. For this, you have to do a Transaction for 30 Days. In this you get 2% cashback on all Tata brands and 1% cashback on Non-Tata Brands. You get 5% cashback when you buy anything on TataNeu App.

Lounge Visits: You get 4 complimentary Visits/Year in the credit cards of both the banks. Apart from this, you get 1% Fuel Surchage Waiver in both cards.

HDFC Bank And Axis Bank Travel Credit Cards:

Now we will know about such credit cards of both these banks which give you Exclusive Benefits. And if you do a lot of travel then this credit card is absolutely best for you. We are going to tell you about three travel credit cards, out of which one credit card is of HDFC Bank and two credit cards are of Axis Bank. If you also travel in flight, then you would know that the business class ticket in the flight is 3 times more expensive than the economy class ticket.

If you have a Right Credit Card, then you can get 5 business class tickets for a year free of cost. Now let us know how you can get these tickets.

Here we will talk about Indigo HDFC Credit Card of HDFC Bank and Vistara Credit Card and Vistara Infinite Credit Card of Axis Bank –

	HDFC Bank  Indigo HDFC Credit Card	Axis Bank Axis Vistara Credit Card	Axis Bank Axis Vistara Infinite Card
Joining Fee	Rs 1500 + Taxes	Rs 1500 + Taxes	Rs 10,000 + Taxes
Renewal Fee	Rs 1500 + Taxes	Rs 1500 + Taxes	Rs 10,000 + Taxes
Spend Based Reversal	NA	NA	NA
Welcome Rewards	1 complimentary flight ticket worth Rs 3000 1 complimentary 6E prime Add-On Accor hotel vouchers worth Rs 5000	1 Complimentary Economy Class Ticket  Club Vistara base membership	1 complimentary Business Class Ticket  Club Vistara Gold memebership
Rewards Points	5% Reward Point on Indigo 3% on dining, grocery and entertainment	2 Club Vistara points on every Rs 200 spend	6 club vistara points on every Rs 200 spend
Domestic Lounge Visits	8 Complimentary Lounge access/year	8 Complimentary Lounge access/year	8 Complimentary Lounge access/year
Golf	NA	NA	6 Complimentary golf rounds/year
Dining	3% 6E rewards on dining spends	25% discount upto Rs 800 with EazyDiner program	40% discount upto Rs 1000 with EazyDiner Program
Milestone Benefits	NA	Upto 3 economy tickets on spending >6 Lakh/year 1000 CV bonus points on spending >50K in first 90 days	Upto 4 business class ticket on spending> 12 Lakh/year 10000 CV Bonus points on spending>1L in first 90 days

Indigo HDFC Credit Card: In this credit card you are given all the benefits for Indigo flight. The joining fee and renewal fee for this credit is Rs 1500 + taxes. In this, you get 1 complimentary flight ticket of Rs 3000 and a hotel voucher of Rs 5000 as Welcome Rewards. You can see the reward points in the table above. Apart from this you get 8 complimentary lounge access in this credit card.

Axis Bank Vistara Credit Card: You will get all the benefits of this credit card in Vistara Flights only. In this credit card, you get 1 Economy class ticket as Welcome Rewards and you also get Base membership of Club Vistara. In this, you also get 2 Club Vistara points on the spending of Rs 200, which you can use to book tickets on Vistara’s website.

Apart from this you also get 8 Complimentary Lounge Access. In this credit card, you also get Milestone benefits, in which if you spend 6 Lakh annually, then you are given 3 economy class tickets. Along with this, if you spend Rs 50,000 in the first 90 days, you also get 1000 Club Vistara points.

Axis Bank Vistara Infinite Credit Card: Now I told you above that you get 5 business class tickets free in these Travel Credit cards, then you get them in this credit card. If you spend 12 Lakh annually, then you get 4 business class tickets free. Now try for this that you do all the expenses with this card.

Now in addition to this, you get 1 complimentary Business Class ticket as a Welcome Bonus in this credit and you also get Club Vistara Gold Membership. In this you get 6 Club Vistara points for every Rs 200 spent. Along with this you also get 8 complimentary lounge access and 6 complimentary Golf rounds. Because of all these features, this credit card becomes exclusive within the travel category.

Final Words:

Now in this article, we have told about HDFC and Axis Bank’s two Premium Credit Cards and two Entry Level Cards and three Travel Credit Cards, and together we have also mentioned about their features and benefits, so that you can easily choose which category of Credit Card is best for you. Always apply for a credit card based on your spending habit and payment history. Now, out of all these credit cards, which is the best credit card for you, you can guess this according to your requirements. If you find this information beneficial then do share it.