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Axis Neo vs HDFC UPI RuPay
Which credit card is better for you? Fees, rewards & charges side by side.
| HDFC Bank
UPI RuPay
RuPay
| |
|---|---|---|
| Apply Now → | Apply Now → | |
| Annual fee | Lifetime Free | ₹99 |
| Joining fee | FREE | ₹99 |
| Our rating | ★ 4.0 | ★ 3.8 |
| Rewards | Up to 10% off on partners | 0.25% – 0.75% value back |
| Best for | Young users who order on Blinkit and Zomato and book movies | People who want a low-fee card to pay by UPI scan |
| Top benefits | 🛒 10% off Blinkit 🎬 10% off BookMyShow 🍔 ₹120 off Zomato | 📲 UPI ready 🛒 3% CashPoints 💡 2% CashPoints |
| Lounge access | None | None |
| Fee waiver | Lifetime free through select channels (standard fee ₹250/yr) | Annual fee waived on ₹25,000 yearly spend |
| Min. income | No minimum published | ₹20,000/month |
| Credit score | 700+ | 700+ |
| Forex markup | 3.5% | 3.5% |
| Interest | 3.75%/month | 3.75%/month (45% p.a.) |
| Cash withdrawal | 2.5% (min ₹500) | 2.5% (min ₹500) |
| Late fee | ₹0 – ₹1,300 by bill amount | ₹0 – ₹1,300 by bill amount |
| Apply Now → | Apply Now → |
Quick verdict
The Axis Neo Credit Card is lifetime free and gives Up to 10% off on partners. The HDFC UPI RuPay Credit Card is ₹99 a year and gives 0.25% – 0.75% value back. The Axis Neo is cheaper to keep. Our rating: Axis Neo ★ 4.0, HDFC UPI RuPay ★ 3.8.
Choose…
- Axis Neo if you are: young users who order on Blinkit and Zomato and book movies. 10% off Blinkit up to ₹250/month · 10% off BookMyShow up to ₹100/month · ₹120 off Zomato twice a month.
- HDFC UPI RuPay if you are: people who want a low-fee card to pay by UPI scan. UPI ready scan & pay with credit · 3% CashPoints grocery, dining & PayZapp · 2% CashPoints on utility bills.
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