What are the annual fees for Axis Bank Atlas Credit Card and Tata Neu Infinity HDFC Bank Credit Card?

Axis Bank Atlas Credit Card has ₹5,000 + GST. Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Axis Bank Atlas Credit Card earns about 2% on general spends; Tata Neu Infinity HDFC Bank Credit Card earns about 1.5%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Axis Bank Atlas Credit Card: 3.5%. Tata Neu Infinity HDFC Bank Credit Card: 2% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Axis Bank Atlas Credit Card: yes — see the lounge row above for limits. Tata Neu Infinity HDFC Bank Credit Card: yes — see the lounge row above for limits.

Card Comparison

Axis Atlas vs Tata Neu Infinity HDFC

Axis Atlas vs Tata Neu Infinity HDFCcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Axis Bank Atlas

Axis Bank

Fee₹5,000+GST

Eff. rate2%

CapCategory

Fee

₹5,000+GST

Eff. rate

Cap

How they compare

Axis Atlas and Tata Neu Infinity HDFC suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 2% effective rate vs 1.5%. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Axis Atlas

Annual fee: ₹5,000 + GST
Everyday rate: 2%
Monthly cap: No cap

Notable strengths

No monthly reward cap

Tata Neu Infinity HDFC

Annual fee: ₹1,499 + GST
Everyday rate: 1.5%
Monthly cap: No cap

Notable strengths

Bonus rewards on Tata Neu (up to 5%)
No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

46 specs · 13 sections

Axis Bank Atlas

Tata Neu Infinity HDFC Bank

Feature

Axis Bank Atlas

Tata Neu Infinity HDFC Bank

Annual Fee

₹5,000

₹1,499

Joining Fee

₹5,000

₹1,499

Fee Waiver Spend

N/A

₹3,00,000

Forex Markup

3.5%

Reward Type

EDGE Miles

NeuCoins

Base Rate

1.5%

Online Rate

—

Offline Rate

—

Effective Base Rate

1.5%

Point Value

₹1

Redemption Quality

HIGH

Best Redemption

₹1

Worst Redemption

₹0.25

₹1

Tata Brands

—

Tata Neu

—

Grocery / Supermarkets

1.5%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.5%

Flights, Hotels, OTAs, Tour Operators

1.5%

Other Retail / Catch-all

1.5%

Monthly Cap

Category caps apply

Est. Annual Cap

Category caps apply

Total Excluded

6 categories

5 categories

Electricity, Water, Gas, Internet, DTH, Mobile Recharge

Excluded

Earns rewards

Insurance Premiums

Excluded

Earns rewards

Online Gaming / Betting

Earns rewards

Excluded

Domestic Visits/Year

International Visits/Year

Priority Pass

Yes

Est. Annual Value

₹6,820

Forex Markup

3.5%

Description

2,500 EDGE Miles on first transaction within 37 days of card issuance (for cards sourced from April 20, 2024 onwards)

1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance.

Estimated Value

₹2,500

₹1,499

Fuel Surcharge Waiver

Yes

Best Suited For

Travel, Airline Miles

Tata Ecosystem Shopping, Lifestyle Rewards

Min Income

₹1,00,000/month

Income Proof

Required

Not required

Secured FD

Accepting Applications

Yes

Network

Visa

Visa, RuPay

Card Tier

Premium

Gold

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Axis Bank Atlas Credit Card and Tata Neu Infinity HDFC Bank Credit Card?: Axis Bank Atlas Credit Card has ₹5,000 + GST. Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Axis Bank Atlas Credit Card earns about 2% on general spends; Tata Neu Infinity HDFC Bank Credit Card earns about 1.5%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Axis Bank Atlas Credit Card: 3.5%. Tata Neu Infinity HDFC Bank Credit Card: 2% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Axis Bank Atlas Credit Card: yes — see the lounge row above for limits. Tata Neu Infinity HDFC Bank Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: Axis Bank - Axis Atlas · HDFC Bank - Tata Neu Infinity HDFC