What are the annual fees for HDFC Bank MoneyBack Plus Credit Card and Airtel Axis Bank Credit Card?

HDFC Bank MoneyBack Plus Credit Card has ₹500 + GST. Airtel Axis Bank Credit Card has ₹500 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

HDFC Bank MoneyBack Plus Credit Card earns about 0.3333% on general spends; Airtel Axis Bank Credit Card earns about 1%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

HDFC Bank MoneyBack Plus Credit Card: not disclosed. Airtel Axis Bank Credit Card: 3.5% (plus 18% GST on the markup).

Card Comparison

HDFC MoneyBack Plus vs Airtel Axis

HDFC MoneyBack Plus vs Airtel Axiscompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

HDFC Bank MoneyBack Plus

HDFC Bank

Fee₹500+GST

Eff. rate0.33%

Cap₹2,500

Fee

₹500+GST

Eff. rate

0.33%

Cap

₹2,500

Airtel Axis Bank

Axis Bank

Fee₹500+GST

Eff. rate1%

CapCategory

Fee

₹500+GST

Eff. rate

Cap

How they compare

HDFC MoneyBack Plus and Airtel Axis suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 25% on Airtel vs 0.3333% flat. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

HDFC MoneyBack Plus

Annual fee: ₹500 + GST
Everyday rate: 0.3%
Monthly cap: ₹2,500/mo

Notable strengths

Flat rewards on every spend

Airtel Axis

Annual fee: ₹500 + GST
Everyday rate: 1%
Monthly cap: No cap

Notable strengths

Bonus rewards on Airtel (up to 25%)
Direct cashback — nothing to redeem
No monthly reward cap

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

54 specs · 13 sections

HDFC Bank MoneyBack Plus

Airtel Axis Bank

Feature

HDFC Bank MoneyBack Plus

Airtel Axis Bank

Annual Fee

₹500

Joining Fee

₹500

Free

Fee Waiver Spend

₹50,000

₹2,00,000

Forex Markup

—

3.5%

Reward Type

Reward Points

Cashback

Base Rate

0.33%

Online Rate

—

Offline Rate

—

Effective Base Rate

0.33%

Point Value

₹0.25

₹1

Redemption Quality

MEDIUM

HIGH

Best Redemption

₹0.25

₹1

Worst Redemption

₹0.15

₹1

Airtel

—

25%

Amazon

3.33%

—

Bigbasket

3.33%

—

Blinkit

—

10%

District

—

10%

Grocery / Supermarkets

0.33%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

0.33%

10%

Flights, Hotels, OTAs, Tour Operators

0.33%

Other Retail / Catch-all

0.33%

Monthly Cap

₹2,500

Category caps apply

Est. Annual Cap

₹30,000

Category caps apply

Total Excluded

4 categories

8 categories

Gold / Jewellery

Earns rewards

Excluded

Insurance Premiums

Earns rewards

Excluded

Education / School / College Fees

Earns rewards

Excluded

EMI Transactions

Earns rewards

Excluded

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Est. Annual Value

—

Forex Markup

—

3.5%

Description

500 CashPoints on card issuance

Amazon e-voucher worth ₹250 on first transaction within 30 days of card issuance

Estimated Value

₹125

₹250

Fuel Surcharge Waiver

Yes

Best Suited For

Shopping

Utility Bills, Airtel Services

Min Income

₹20,000/month

₹15,000/month

Income Proof

Required

Secured FD

Accepting Applications

Yes

Network

Visa, RuPay

Visa

Card Tier

Classic

Still weighing your options?

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Frequently asked questions

What are the annual fees for HDFC Bank MoneyBack Plus Credit Card and Airtel Axis Bank Credit Card?: HDFC Bank MoneyBack Plus Credit Card has ₹500 + GST. Airtel Axis Bank Credit Card has ₹500 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: HDFC Bank MoneyBack Plus Credit Card earns about 0.3333% on general spends; Airtel Axis Bank Credit Card earns about 1%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: HDFC Bank MoneyBack Plus Credit Card: not disclosed. Airtel Axis Bank Credit Card: 3.5% (plus 18% GST on the markup).

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

Sources: HDFC Bank - HDFC MoneyBack Plus · Axis Bank - Airtel Axis