Axis Bank Horizon vs Tata Neu Plus HDFC Bank
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Axis Bank Horizon Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.6/10 vs 8.1/10.
| Feature | Axis Bank Horizon | Tata Neu Plus HDFC Bank |
|---|---|---|
| CardTrail Score | 8.6/10 | 8.1/10 |
| Annual Fee | ₹3,000 | ₹499 |
| Base Reward Rate | 2% | 1% |
| Max Reward Rate | 5% | 7% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 1 |
| International Lounges | 8 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Axis Bank Horizon
- You can meet the fee waiver condition: None
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: general, cashback, rewards
When to Choose Tata Neu Plus HDFC Bank
- You can meet the fee waiver condition: Spend Rs. 1 Lakh in a year
- You want higher rewards — up to 7% vs 5%
- Your primary spend is: tata-ecosystem, rewards
Annual Fee Value Analysis
To break even on Axis Bank Horizon's ₹3,000 fee at 2% rewards, spend ₹12,500/month.
To break even on Tata Neu Plus HDFC Bank's ₹499 fee at 1% rewards, spend ₹4,158/month.