Shortlist 2–4 cards
This page compares two cards side-by-side so you can pick the better fit. Use it to verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | American Express SmartEarn | Tata Neu Plus HDFC Bank |
|---|---|---|
| Annual fee | ₹495 | ₹499 |
| Forex fee | 3.5% | Not specified |
| Domestic lounge | Not specified | 4/year |
Start with the constraint you care about most: annual fee (American Express SmartEarn: ₹495 vs Tata Neu Plus HDFC Bank: ₹499), forex markup (3.5% vs Not specified), or lounge access (Not specified vs 4/year).
Explore: American Express SmartEarn card page · Tata Neu Plus HDFC Bank card page · best credit cards in India
Source: Card issuer official terms
Open source (opens in new tab)Source: HDFC Bank official terms
Open source (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| American Express SmartEarn AMEX | Tata Neu Plus HDFC Bank HDFC | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits Only available for Tata Neu Plus HDFC Bank | Not specified | 4/year |
| Forex / International Use | ||
| Forex markup Tata Neu Plus HDFC Bank unclear; American Express SmartEarn shows 3.5% (verify). | 3.5% | Not specified |
| Fees | ||
| Annual fee ₹495 vs ₹499 | ₹495 | ₹499 |
| Joining fee ₹495 vs ₹499 | ₹495 | ₹499 |
| Fee waiver spend Only available for Tata Neu Plus HDFC Bank | Not specified | ₹1,00,000 |
| Rewards | ||
| Points per ₹100 2 pts vs 1 pts | 2 pts | 1 pts |
| Point cash value Only available for Tata Neu Plus HDFC Bank | Not specified | ₹0.25 |