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Comparison · हिन्दी

Tata Neu Infinity HDFC vs Axis Flipkart

Both cards compared on real rupee returns for best shopping credit card India Tata Neu vs Flipkart Axis. We ran the numbers so you can make the right call.

Last updated: · Based on current card terms
HDFC
NEU INFINITY
ASHOK KUMAR
VS
AXIS
AXIS FLIPKART
ASHOK KUMAR
Our verdict
Axis Flipkart Credit Card wins for most people
Axis Flipkart wins decisively with ₹4,420 annual benefit versus ₹661 for Tata Neu Infinity HDFC. The Axis card's high cashback on shopping categories and preferred partners significantly outweighs the Tata card's modest rewards for this spend profile.
Side-by-side comparison
Tata Neu Infinity HDFC Credit Card Axis Flipkart Credit Card ✓
Annual benefit ₹661 ₹4,420
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹1,499 + taxes (waived on ₹3,00,000/year spend) ₹500 + taxes annual from year 2 (waived on ₹3,50,000 annual spend)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10% NeuCoins on Tata Neu (5% base + 5% NeuPass); 1.5% on all other spends 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each capped at ₹4,000 a statement quarter; unlimited 4% at preferred partners (Swiggy, Uber, PVR, Fitpass and Stoga); 1% on other spends; no cashback on utilities, rent, wallets, fuel, insurance, education or government payments
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic + 4 international visits/year (on ₹50,000/quarter spend) None (discontinued in June 2025)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 2% 3.5%
Best for Premium Tata ecosystem card for heavy shoppers across BigBasket, Croma, Air India and Westside Flipkart and Myntra shoppers
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹50,000/month (salaried) ₹3L+ per year
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 700+
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When each card wins
Tata Neu Infinity HDFC Credit Card
Tata Neu Infinity HDFC works better if you spend heavily within Tata's ecosystem (BigBasket, Croma, Air India, Westside) and can exceed ₹3,00,000 annual spend to waive fees. Otherwise, the annual fee erodes already-modest returns.
Axis Flipkart Credit Card
Axis Flipkart excels for this profile because your shopping, dining, and travel align perfectly with its bonus categories. The unlimited 4% at Swiggy and Uber, combined with high cashback caps, maximizes rewards without requiring massive annual spend.
Who should get which card
Get Tata Neu Infinity HDFC if you…
· Heavy Tata ecosystem users (BigBasket, Croma, Air India bookings)
· Spenders targeting ₹25+ lakh annual spend for fee waiver
· Those prioritizing premium travel perks and lifestyle benefits
Get Axis Flipkart if you…
· Regular Flipkart and Myntra shoppers
· Frequent Swiggy, Uber, or PVR users
· Those seeking maximum cashback on everyday shopping and dining
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, Axis Flipkart Credit Card offers better annual returns for most spend profiles.
Tata Neu Infinity HDFC Credit Card has an annual fee of ₹1,499 + taxes (waived on ₹3,00,000/year spend). Axis Flipkart Credit Card has an annual fee of ₹500 + taxes annual from year 2 (waived on ₹3,50,000 annual spend).
Tata Neu Infinity HDFC Credit Card offers 10% NeuCoins on Tata Neu (5% base + 5% NeuPass); 1.5% on all other spends. Axis Flipkart Credit Card offers 7.5% cashback on Myntra and 5% on Flipkart and Cleartrip, each capped at ₹4,000 a statement quarter; unlimited 4% at preferred partners (Swiggy, Uber, PVR, Fitpass and Stoga); 1% on other spends; no cashback on utilities, rent, wallets, fuel, insurance, education or government payments.
Tata Neu Infinity HDFC Credit Card lounge access: 8 domestic + 4 international visits/year (on ₹50,000/quarter spend). Axis Flipkart Credit Card lounge access: None (discontinued in June 2025).
Tata Neu Infinity HDFC Credit Card charges 2% forex markup. Axis Flipkart Credit Card charges 3.5% forex markup.