Axis ACE vs Tata Neu Infinity HDFC
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Axis ACE wins 4-1. Bill payments + utilities + fuel — set-and-forget cashback Tata Neu Infinity HDFC is still the right call if tata ecosystem users — croma, bigbasket, airasia, westside, taj.
Side-by-side
| Criterion | Axis ACE | Tata Neu Infinity HDFC |
|---|---|---|
| Annual fee | ₹499 | · ₹1,499 |
| Joining fee | ₹499 | · ₹1,499 |
| Top reward rate | · 4% (fuel) | 5% (shopping) |
| Base reward rate | = 1.5% | = 1.5% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Up to ₹2,000 cashback on first 60-day spends | = 1,499 NeuCoins on first spend (offsets joining fee) |
| Fee waiver threshold | ₹200,000 / yr | · ₹300,000 / yr |
| Min income | ₹360,000 | · ₹600,000 |
| Min credit score | = 750 | = 750 |
| Editorial rating | = 4.5/5 | = 4.5/5 |
Benefits compared
Axis ACE
- 5% cashback on Google Pay bill payments (electricity, gas, broadband, mobile, DTH)
- 4% cashback on Swiggy, Zomato, Ola
- 2% cashback on every other transaction
- 4 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waiver
Tata Neu Infinity HDFC
- 5% NeuCoins on Tata Neu app & partner brands (Croma, BigBasket, Westside, AirAsia)
- 1.5% NeuCoins on UPI and other transactions
- 8 complimentary domestic + 4 international lounge visits / year
- 1 NeuCoin = ₹1, redeemable at any Tata brand
- 1% fuel surcharge waiver (₹500/month cap)
FAQ
›Axis ACE vs Tata Neu Infinity HDFC: which is better?
Axis ACE wins on more dimensions (4 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Axis ACE for its best categories, Tata Neu Infinity HDFC for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Axis ACE: Up to ₹2,000 cashback on first 60-day spends. Tata Neu Infinity HDFC: 1,499 NeuCoins on first spend (offsets joining fee).