Which card has a lower forex fee: AU LIT Credit Card or HDFC Tata Neu Plus HDFC Bank Credit Card?

AU LIT Credit Card has lower forex markup (3.49% vs 3.5%).

Which card has a lower annual fee: AU LIT Credit Card or HDFC Tata Neu Plus HDFC Bank Credit Card?

AU LIT Credit Card has a lower annual fee (No joining or annual fee currently listed vs ₹499 annual fee).

Which card offers better lounge access?

AU LIT Credit Card: No complimentary lounge access. HDFC Tata Neu Plus HDFC Bank Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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

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

LIT

Tata Neu Plus RuPay

The short answer

Verdict

Pick Tata Neu Plus RuPay for lounge access and upi.

Head-to-head

Three core metrics

Annual fee

LIT ₹0

Tata Neu Plus RuPay ₹499 Waivable at ₹1,00,000 spend

LIT saves ₹499/yr
Forex markup

LIT 3.49%

Tata Neu Plus RuPay 3.5%
Domestic lounge

LIT No complimentary lounge access

Tata Neu Plus RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarter

Tata Neu Plus RuPay: +4 lounge visits/yr

Reward earning explained

Per card

LIT

1 pt / ₹100

Limited data

Tata Neu Plus RuPay

1 NeuCoins / ₹100 · 2 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank LIT: ₹0 vs HDFC Bank Tata Neu Plus RuPay: ₹499), forex markup (3.49% vs 3.5%), or lounge access (No complimentary lounge access vs 4/year (1 per quarter)).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.49%. Forex markup is 3.5%.
Lounge access HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for lounge access

HDFC Bank Tata Neu Plus RuPay is stronger here. Domestic lounge access is 1 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: AU Small Finance Bank LIT is not safely INR-comparable (no usable point value). HDFC Bank Tata Neu Plus RuPay conservative base value ~1% per ₹100.

LIT: Limited data Tata Neu Plus RuPay: Strong data
upi HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for UPI usage

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

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Plus HDFC Bank: ~₹500/month at base rate
AU LIT: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	LIT AU Small Finance Bank	Tata Neu Plus RuPay HDFC Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats No complimentary lounge access vs 4/year (1 per quarter)	No complimentary lounge access	4/year (1 per quarter)
International lounge visits	No international lounge access	No international lounge access
Forex / International Use
Forex markup Limited support — verify with issuer. 3.49% vs 3.5%	3.49%	3.5%
Fees
Recurring annual fee ₹0 vs ₹499	₹0	₹499
Annual-fee waiver Only available for Tata Neu Plus HDFC Bank	Not specified	₹1,00,000
Monthly interest rate Only available for AU LIT	3.75% / month	Not specified
Late-payment charge Only available for Tata Neu Plus HDFC Bank	Not specified	₹100–₹1,300 depending on outstanding balance
Fuel benefit No surcharge waiver vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap	No surcharge waiver	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap
Rewards
Points per ₹100 1 pt / ₹100 vs 1 NeuCoins / ₹100	1 pt / ₹100	1 NeuCoins / ₹100
Conservative base value Not safely INR-comparable vs ~1%	Not safely INR-comparable	~1%
Earn ceiling Not stated vs 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend	Not stated	1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 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 Plus HDFC Bank	Not specified	₹1
Point validity Only available for Tata Neu Plus HDFC Bank	Not specified	2 years

Notes

HDFC Tata Neu Plus 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 LIT

Verify with issuer

HDFC Bank Tata Neu Plus RuPay

Verify with issuer