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AU Tejas vs HDFC MoneyBack+

Compare AU Tejas vs HDFC MoneyBack+ across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

AU Tejas has the strongest mix of rewards and low fees in this comparison.

Card 1

AU Tejas

Monthly spenders who want visible cashback without chasing complex reward conversions.10.0

Card 2

HDFC MoneyBack+

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.4.4
AU Tejas - AU credit card
Balanced value10.0

au / VISA

AU Tejas

Annual

₹500

Return

10%

Lounges

0

Forex

3.49%

Card summary
  • AU Tejas leans cashback-first with ₹500 annual fee, 10% headline return potential, and 0 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹500 annual fee.
  • 10% cashback keeps value easy to understand.
  • Simple everyday positioning without premium travel complexity.
Cons
  • 3.49% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Monthly spenders who want visible cashback without chasing complex reward conversions.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HDFC MoneyBack+ - HDFC credit card
Balanced value4.4

hdfc / VISA

HDFC MoneyBack+

Annual

₹500

Return

2%

Lounges

2

Forex

3.5%

Card summary
  • HDFC MoneyBack+ leans reward-led with ₹500 annual fee, 2% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹500 annual fee.
  • 2% cashback keeps value easy to understand.
  • 2 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel benefits are limited compared with premium cards.
Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
AU Tejas
HDFC MoneyBack+
Fees
Annual fee
₹500
₹500
Joining fee
₹500
₹500
Rewards
Cashback rate
10%
2%
Reward rate
2%
2%
Travel
Forex markup
3.49%
3.5%
Domestic lounges
0
2
International lounges
0
0
Benefits
Fuel waiver
Yes
Yes
Dining
No
Yes
Movies
No
Yes
Eligibility
Minimum income
₹2,00,000
₹2,50,000

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