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Axis My Zone Credit Card VS Tata Neu Infinity HDFC Bank Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both Axis My Zone Credit Card and Tata Neu Infinity HDFC Bank Credit Card suit shopping-focused spenders, but they earn and cost differently. Axis My Zone Credit Card costs ₹500 + GST and earns 4 EDGE Points for every ₹200 spent (0.4% reward rate); 1 EDGE Reward = ₹0.20. Tata Neu Infinity HDFC Bank Credit Card costs ₹1,499 + GST and earns up to 10% NeuCoins on Tata Neu app/website; 5% on partner Tata brands; 1.5% on UPI spends. Axis My Zone Credit Card also brings 1 complimentary domestic airport lounge access per calendar quarter on ₹50,000 spend in previous 3 months, while Tata Neu Infinity HDFC Bank Credit Card counters with 8 complimentary domestic airport lounge access annually (2 per quarter) on spending ₹50,000 per quarter. If movies spending matters more, go with Axis My Zone Credit Card; if travel is the priority, Tata Neu Infinity HDFC Bank Credit Card fits better.

Axis My Zone Credit Card
Axis My Zone Credit Card
Tata Neu Infinity HDFC Bank Credit Card
Tata Neu Infinity HDFC Bank Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹1,499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,499 + GST
Spend Based Waiver
Spend Based WaiverRenewal fee waived on achieving annual spends of ₹3 lakhs or more in the previous anniversary year.
Foreign Transaction Fees3.5% of the transaction amount
Foreign Transaction Fees2% of the total transaction amount.
Interest Rate (APR)3.75% per month (55.55% per annum) on retail purchases and cash.
Interest Rate (APR)3.75% per month (45.0% per annum).

Rewards & Benefits

Welcome BonusComplimentary SonyLiv Premium annual subscription worth ₹1,499 after first transaction.
Welcome BonusCardholders receive 1,499 bonus NeuCoins as a welcome benefit, equivalent to the joining fee, on one transaction.
Rewards Rate4 EDGE Points for every ₹200 spent (0.4% reward rate); 1 EDGE Reward = ₹0.20.
Rewards RateUp to 10% NeuCoins on Tata Neu app/website; 5% on partner Tata brands; 1.5% on UPI spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹50 for cashback redemption.

Travel & Lifestyle

Domestic Lounge Access1 complimentary domestic airport lounge access per calendar quarter on ₹50,000 spend in previous 3 months.
Domestic Lounge Access8 complimentary domestic airport lounge access annually (2 per quarter) on spending ₹50,000 per quarter.
International Lounge Access
International Lounge Access4 complimentary international lounge visits annually (1 per quarter) for primary and add-on cardholders.
Travel Benefits1 complimentary domestic airport lounge access per quarter on meeting spend criteria.
Travel BenefitsComplimentary domestic and international airport lounge access, low foreign currency markup, and comprehensive insurance.
Movie BenefitsBOGO movie tickets via District app (up to ₹200/month) & complimentary SonyLiv Premium annual subscription.
Movie Benefits
Dining BenefitsFlat ₹120 off on Swiggy (twice/month) & 15% off via EazyDiner (up to ₹500/month).
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹4,000, capped at ₹400/month. Applicable on UPI.
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹5,000, capped at ₹500 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits₹1 Cr accidental air death, ₹15 lakhs emergency overseas hospitalization, ₹9 lakhs lost card liability.
Cash Advance Charges2.5% of withdrawal amount, minimum ₹500.
Cash Advance Charges2.5% of amount withdrawn or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Axis My Zone Credit Card

Tata Neu Infinity HDFC Bank Credit Card

Who is it for?

The Axis My Zone Credit Card is an entry-level offering by Axis Bank, designed for individuals who frequently spend on movies, shopping, and food. It stands out with a complimentary SonyLiv Premium annual subscription, attractive movie and dining offers, and complimentary domestic airport lounge access, all available for a nominal fee.

Who is it for?

The Tata Neu Infinity HDFC Bank Credit Card is a premium co-branded card ideal for frequent shoppers loyal to Tata brands. It offers an exceptional reward rate of up to 10% NeuCoins on Tata Neu spends, along with valuable perks like complimentary domestic and international airport lounge access. With comprehensive insurance benefits and a low foreign currency markup, this card provides significant value for travelers and high spenders within the Tata ecosystem.

Pros

Key benefits and features.

Enjoy a complimentary SonyLiv Premium annual subscription, adding significant entertainment value.

Benefit from attractive Buy One Get One movie ticket offers, saving up to ₹2,400 annually.

Get substantial dining discounts on Swiggy and through EazyDiner, enhancing your food experiences.

Receive 1 complimentary domestic airport lounge access per quarter, making travel more comfortable.

The card has a low joining and annual fee, making it an accessible entry-level option.

Pros

Key benefits and features.

Earn an impressive reward rate of up to 10% NeuCoins on all Tata Neu app purchases.

Benefit from a significantly low foreign currency markup of just 2% on international transactions.

Enjoy complimentary domestic and international airport lounge access, enhancing travel experiences.

Provides comprehensive insurance coverage, including accidental air death and emergency hospitalization.

Cons

Key drawbacks and limitations.

Reward points are not earned on movie, fuel, wallet, insurance, education, and utility spends.

Domestic lounge access requires a minimum spend of ₹50,000 in the previous three months.

The general reward rate of 0.4% is relatively low compared to other credit cards.

High foreign currency markup of 3.5% makes international transactions expensive.

A rewards redemption fee of ₹99 + GST is charged for redeeming points.

Cons

Key drawbacks and limitations.

The NeuCoins earned with the Tata Neu Infinity HDFC Bank Credit Card expire after one year.

A relatively high annual spend of ₹3 lakhs is required to waive the renewal fee.

No NeuCoins are accrued on essential transactions like fuel purchases and wallet reloads.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Axis My Zone Credit Card(opens in new tab)Apply for Tata Neu Infinity HDFC Bank Credit Card(opens in new tab)