Airtel Axis Bank vs HDFC Bharat Cashback
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Airtel Axis Bank Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.2/10 vs 7.3/10.
| Feature | Airtel Axis Bank | HDFC Bharat Cashback |
|---|---|---|
| CardTrail Score | 8.2/10 | 7.3/10 |
| Annual Fee | ₹500 | ₹500 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 25% | 5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 4 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | RuPay |
When to Choose Airtel Axis Bank
- You can meet the fee waiver condition: Spend Rs. 2 Lakh in a year
- You want higher rewards — up to 25% vs 5%
- Airport lounge access matters — 4 domestic visits
- Your primary spend is: cashback, general
When to Choose HDFC Bharat Cashback
- You can meet the fee waiver condition: Spend ₹50K/year
- Your primary spend is: cashback, general
Annual Fee Value Analysis
To break even on Airtel Axis Bank's ₹500 fee at 1% rewards, spend ₹4,167/month.
To break even on HDFC Bharat Cashback's ₹500 fee at 1% rewards, spend ₹4,167/month.