Tata Neu Infinity HDFC Bank Credit Card vs LIC Axis Bank Signature Credit Card

• In a year, spend Rs. 3,00,000 or more before the Credit Card renewal date and get the renewal fee waived off
• 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
• 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
• 1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month
• Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
• Reward points gained on Grocery transactions will be capped to 2,000 per month
• Zero lost card liability
• Foreign Currency Markup: 2% on all your foreign currency spends
• Domestic Lounge Access – VISA / RuPay Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter). Rs. 2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access
• International Lounge Access – VISA Card: By using Priority Pass avail up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter). If exceed the 4 Complimentary (1 per Quarter) visits, you will be charged at US $27 + GST per visit
• International Lounge Access - RuPay: 4 Complimentary International Lounge Access per calendar year (1 per Quarter)

• Avail 2 Reward points for every Rs. 100 spent on LIC Premium payment and foreign currency transactions
• Avail 1 Reward point for every Rs. 100 spent on all other transactions except wallet load, fuel, and EMI conversions
• 8 complimentary domestic airport lounge access per calendar year at selected domestic airports
• Complimentary lost card liability insurance cover up to credit limit
• 1% fuel surcharge waiver on all fuel transactions in India. This is valid on transactions between Rs. 400 to Rs. 4000 
• Get up to 20% off at over 4,000 restaurants in India 
• Now you can easily convert any transactions of Rs. 2,500 and above into EMIs
• Wednesday Delight Offer: Get up to 15% on flights and hotels via Goibibo and Makemytrip, 10% off on orders via Swiggy and Amazon Fresh, 10% off up to Rs. 1000 on Tira

Pros

• Accidental air death cover worth Rs. 1 Crore
• Emergency overseas hospitalization: Up to Rs. 15 lakhs
• Lost Card Liability Cover : Up to Rs. 9 lakhs
• Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)

Cons

• No golf benefits
• Tata Neu coins are valid only for 1 year and can be used only in the Tata Neu app or paying thru the Neu app

Pros

• Avail 2 Reward points for every Rs. 100 spent on LIC Premium payment and foreign currency transactions
• 8 complimentary domestic airport lounge access per calendar year
• Complimentary lost card liability insurance cover up to credit limit

Cons

• No golf benefits are provided
• No international airport lounge access
• No Spend Based Waiver