Axis Citi Rewards vs HDFC Tata Neu Infinity
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Tata Neu Infinity wins 3 of 8 dimensions with a CardTrail Score of 9.1/10 vs 8.4/10.
| Feature | Axis Citi Rewards | HDFC Tata Neu Infinity |
|---|---|---|
| CardTrail Score | 8.4/10 | 9.1/10 |
| Annual Fee | ₹1,000 | ₹1,499 |
| Base Reward Rate | 0.5% | 1.5% |
| Max Reward Rate | 10% | 10% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 8 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose Axis Citi Rewards
- You can meet the fee waiver condition: Spend ₹2L/year
- Your primary spend is: online-shopping, general
When to Choose HDFC Tata Neu Infinity
- You can meet the fee waiver condition: Spend ₹3L/year
- Your primary spend is: online-shopping, tata-ecosystem
Annual Fee Value Analysis
To break even on Axis Citi Rewards's ₹1,000 fee at 0.5% rewards, spend ₹16,667/month.
To break even on HDFC Tata Neu Infinity's ₹1,499 fee at 1.5% rewards, spend ₹8,328/month.