HDFC Tata Neu Credit Card vs Axis Bank Ace Credit Card – Which Cashback Card is Better?

Introduction

If you are searching for the best cashback credit card in India, two names always come up — the HDFC Tata Neu Credit Card and the Axis Bank Ace Credit Card. Both are extremely popular for daily spends, but they work differently. According to CardMela.com, the right card depends on whether you spend more inside the Tata ecosystem or on general online/offline payments.

This detailed comparison will help you decide which one gives you better value in 2025 and beyond.

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Quick Comparison Table

Feature	HDFC Tata Neu Credit Card	Axis Bank Ace Credit Card
Annual Fee	₹499 + GST (waived on ₹1L annual spend)	₹499 + GST (waived on ₹10,000 spend in 45 days)
Rewards / Cashback	5% NeuCoins on Tata brands (BigBasket, Croma, Tata 1mg, Air India, etc.), 2% on others	5% on bill payments via Google Pay, 4% on Swiggy/Zomato/Ola, 2% on others
Lounge Access	8 complimentary domestic lounge visits/year	4 complimentary domestic lounge visits/year
Reward Currency	NeuCoins (1 NeuCoin = ₹1, usable in Tata Neu app)	Direct cashback credited on statement
Best For	Users loyal to Tata ecosystem	General spenders & bill payments

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Rewards & Cashback Comparison

HDFC Tata Neu Credit Card:

• 5% NeuCoins on Tata brands like BigBasket, Croma, Tata 1mg, Air India.
• 2% NeuCoins on all other online & offline spends.
• Rewards locked in Tata Neu ecosystem, which is good if you shop frequently on Tata brands.

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Axis Bank Ace Credit Card:

• 5% cashback on bill payments & recharges via Google Pay.
• 4% cashback on Swiggy, Zomato, Ola.
• 2% flat cashback on all other spends.
• Cashback comes directly in your credit card statement, no restriction on redemption.

👉 Verdict: If you want simple cashback with no restrictions, Ace is better. If you are a regular Tata shopper, Tata Neu card is stronger.

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Lounge Access Benefits

• Tata Neu: 8 free domestic lounge visits per year.
• Ace: 4 free domestic lounge visits per year.

👉 Verdict: Tata Neu offers better lounge access.

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Annual Fee & Waiver

• Tata Neu: ₹499 + GST, waived on ₹1,00,000 annual spend.
• Ace: ₹499 + GST, waived on just ₹10,000 spend within 45 days of issuance.

👉 Verdict: Ace is easier to make lifetime free if you just use it once for a big purchase.

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Which One Should You Choose?

• Pick HDFC Tata Neu Credit Card if:
  • You frequently shop on BigBasket, Croma, Tata 1mg.
  • You want maximum lounge access at lowest fee.
  • You don’t mind being locked inside Tata ecosystem.
• Pick Axis Bank Ace Credit Card if:
  • You want no-fuss direct cashback.
  • You spend a lot on recharges, Swiggy, Zomato, Ola.
  • You want an easy way to make the card lifetime free.

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CardMela Recommendation

According to CardMela.com, if your spending is general (bills, food delivery, recharges), the Axis Ace Credit Card is the more practical choice. But if you are already a Tata Neu app user and spend regularly on BigBasket or Croma, then the HDFC Tata Neu Credit Card will give you higher value.

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FAQs

Q. Which is better for groceries – Tata Neu or Ace?
Tata Neu gives 5% NeuCoins on BigBasket, so it is better for groceries if you shop there. Otherwise, Ace gives 2% flat cashback on any grocery store.

Q. Does Tata Neu give cashback on all spends?
Yes, but non-Tata spends only earn 2% NeuCoins.

Q. Can Axis Ace be used for international transactions?
Yes, but cashback is applicable only on domestic spends.

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✅ For more detailed reviews of these and other cards, visit CardMela.com.

Compare more cashback credit cards on CardMela.com

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Author Bio:

Ryana Moon is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.