2.5 pts / ₹100 on domestic spend
Strong data Pairwise comparison
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AU ixigo vs HDFC Tata Neu Infinity RuPay
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.
The short answer
Pick ixigo for spending abroad.
Pick Tata Neu Infinity RuPay for UPI payments.
ixigo costs ₹1,499 less a year.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹1,499/yr apart · waiver gates differixigo ₹0Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend
- Forex markup Forex markup outcome: ixigo wins. ixigo saves ~₹2,000 per ₹1L abroadixigo 0%Tata Neu Infinity RuPay 2%
- Domestic lounge Domestic lounge outcome: tie. 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
- Rewards Rewards outcome: insufficient data to compare. conservative base valueixigo Not safely INR-comparableTata Neu Infinity RuPay ~1.5%
- UPI payments UPI payments outcome: Tata Neu Infinity RuPay wins. ixigo No UPI supportTata Neu Infinity RuPay Supports UPI
Reward earning explained
1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
Strong dataExample 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.
All fields
| Field | ixigo AU Small Finance Bank | Tata Neu Infinity RuPay HDFC Bank |
|---|---|---|
| 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 on domestic spend vs 1.5 NeuCoins / ₹100 | 2.5 pts / ₹100 on domestic spend | 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 |
| 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 |
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.
AU Small Finance Bank ixigo
Verify with issuer , opens external siteHDFC Bank Tata Neu Infinity RuPay
Verify with issuer , opens external site