Pairwise comparison Compare 3+ cards →

AU Small Finance Bank ixigo vs HDFC Bank Tata Neu Infinity RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the AU Small Finance Bank ixigo and the HDFC Bank Tata Neu Infinity RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

ixigo
Tata Neu Infinity RuPay

The short answer

Verdict

Pick ixigo for travel and spending abroad.

Pick Tata Neu Infinity RuPay for upi.

Head-to-head

Three core metrics
  • Annual fee
    ixigo ₹0
    Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend
    ixigo saves ₹1,499/yr
  • Forex markup
    ixigo 0%
    Tata Neu Infinity RuPay 2%
    ixigo saves ~₹2,000 per ₹1L abroad
  • Domestic lounge
    ixigo 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
    Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Reward earning explained

Per card
ixigo

2.5 pts / ₹100

Strong data
Tata Neu Infinity RuPay

1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank ixigo: ₹0 vs HDFC Bank Tata Neu Infinity RuPay: ₹1,499), forex markup (0% vs 2%), or lounge access (8/year (2 per quarter) vs 8/year (2 per quarter)).

  • Travel AU Small Finance Bank ixigo wins

    AU Small Finance Bank ixigo is better for travel

    AU Small Finance Bank ixigo is stronger here. Forex markup is 0%.

  • Forex markup AU Small Finance Bank ixigo wins

    AU Small Finance Bank ixigo is better for forex

    AU Small Finance Bank ixigo is stronger here. Forex markup is 0%.

  • Lounge access Tie

    Both cards are similar for lounge access

    Domestic lounge access is 2 per quarter.

  • Rewards Insufficient data

    Insufficient data to compare rewards

    Available evidence is incomplete: AU Small Finance Bank ixigo is not safely INR-comparable (no usable point value). HDFC Bank Tata Neu Infinity RuPay conservative base value ~1.5% per ₹100.

    ixigo: Strong data Tata Neu Infinity RuPay: Strong data
  • upi HDFC Bank Tata Neu Infinity RuPay wins

    HDFC Bank Tata Neu Infinity RuPay is better for UPI usage

    HDFC Bank Tata Neu Infinity RuPay is stronger here. Supports UPI via RuPay network.

View AU Small Finance Bank ixigo → View HDFC Bank Tata Neu Infinity RuPay → See more rankings →

All fields

Example usage at this monthly spend

At ₹50k/month spend:

  • Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
  • ixigo AU: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field ixigo AU Small Finance Bank Tata Neu Infinity RuPay HDFC Bank
Insurance — Air accident cover
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹1 crore
Insurance — Emergency medical cover
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹15 lakh
Insurance — Lost card liability cover
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹9 lakh
Insurance — Underwriter
Only available for Tata Neu Infinity HDFC Bank
 Not specified Insured by HDFC ERGO General Insurance Company Limited
Lounge Access
Domestic lounge visits
spend-gated on some cards — see caveats
 8/year (2 per quarter) 8/year (2 per quarter)
International lounge visits
1 per year vs Not included
 1 per year No international lounge access
Forex / International Use
Forex markup
0% vs 2%
 0% 2%
Fees
Recurring annual fee
₹0 vs ₹1,499
 ₹0 ₹1,499
First-year cost
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹1,499
Annual-fee waiver
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹3,00,000 or more
Monthly interest rate 3.75% / month 3.75% / month
Late-payment charge
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹100–₹1,300 depending on outstanding balance
Fuel benefit
1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap
 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap
Rewards
Points per ₹100
2.5 pts / ₹100 vs 1.5 NeuCoins / ₹100
 2.5 pts / ₹100 1.5 NeuCoins / ₹100
Conservative base value
Not safely INR-comparable vs ~1.5%
 Not safely INR-comparable ~1.5%
Earn ceiling
Not stated vs 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
 Not stated 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
Point value (headline channel)
Issuer headline redemption rate — see each card page for the full channel grid.
Only available for Tata Neu Infinity HDFC Bank
 Not specified ₹1
Point validity
Only available for Tata Neu Infinity HDFC Bank
 Not specified 1 year

Notes

  • ixigo AU Credit Card: Condition: ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
  • Tata Neu Infinity HDFC Bank Credit Card: Condition: ₹50,000 spend in the calendar quarter
  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

Related comparisons

Next useful checks

AU Small Finance Bank ixigo

Verify with issuer , opens external site

HDFC Bank Tata Neu Infinity RuPay

Verify with issuer , opens external site
Data refreshed through 3 Sept 2026 moneymatters.cards Current Money Matters snapshot
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.