Which card has a lower forex fee: BOBCARD Uni GoldX Credit Card or Tata Neu Infinity HDFC Bank Credit Card?

BOBCARD Uni GoldX Credit Card has lower forex markup (0% vs 2%).

Which card has a lower annual fee: BOBCARD Uni GoldX Credit Card or Tata Neu Infinity HDFC Bank Credit Card?

BOBCARD Uni GoldX Credit Card has a lower annual fee (No joining or annual fee currently listed vs ₹1,499 annual fee).

Which card offers better lounge access?

BOBCARD Uni GoldX Credit Card: No complimentary lounge access. Tata Neu Infinity HDFC Bank Credit Card: 2 per quarter domestic lounge.

Which card has a higher base reward rate?

Tata Neu Infinity HDFC Bank Credit Card has higher conservative base reward value (~1.5% vs ~1%).

Pairwise comparison Compare 3+ cards →

BOBCARD Uni GoldX vs HDFC Bank Tata Neu Infinity RuPay Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the BOBCARD Uni GoldX and the HDFC Bank Tata Neu Infinity RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.

Uni GoldX

Tata Neu Infinity RuPay

The short answer

Verdict

Pick Uni GoldX for spending abroad.

Pick Tata Neu Infinity RuPay for lounge access, rewards and upi.

Head-to-head

Three core metrics

Annual fee

Uni GoldX ₹0

Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend

Uni GoldX saves ₹1,499/yr
Forex markup

Uni GoldX 0%

Tata Neu Infinity RuPay 2%

Uni GoldX saves ~₹2,000 per ₹1L abroad
Domestic lounge

Uni GoldX No complimentary lounge access

Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Tata Neu Infinity RuPay: +8 lounge visits/yr

Reward earning explained

Per card

Uni GoldX

Limited 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 (BOBCARD Uni GoldX: ₹0 vs HDFC Bank Tata Neu Infinity RuPay: ₹1,499), forex markup (0% vs 2%), or lounge access (No complimentary lounge access vs 8/year (2 per quarter)).

Travel Insufficient data

Insufficient data to compare travel

Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Forex markup is 2%.

Uni GoldX: Strong data Tata Neu Infinity RuPay: Strong data
Forex markup BOBCARD Uni GoldX wins

BOBCARD Uni GoldX is better for forex

BOBCARD Uni GoldX is stronger here. Forex markup is 0%.
Lounge access HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for lounge access

HDFC Bank Tata Neu Infinity RuPay is stronger here. Domestic lounge access is 2 per quarter.
Rewards HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for rewards

HDFC Bank Tata Neu Infinity RuPay is stronger here. HDFC Bank Tata Neu Infinity RuPay conservative base value ~1.5% vs BOBCARD Uni GoldX's ~1%.
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.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
BOBCARD Uni GoldX: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Uni GoldX BOBCARD	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 No complimentary lounge access vs 8/year (2 per quarter)	No complimentary lounge access	8/year (2 per quarter)
International lounge visits	No international lounge access	No international lounge access
Forex / International Use
Forex markup Source agreement differs — verify both. 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 Only available for Tata Neu Infinity HDFC Bank	Not specified	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 Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap	Surcharge waiver available · ₹400–₹5,000 transactions · ₹250/month waiver cap	1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap
Rewards
Base earn 1% vs 1.5 NeuCoins / ₹100	1%	1.5 NeuCoins / ₹100
Conservative base value ~1% vs ~1.5%	~1%	~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

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.

BOBCARD Uni GoldX

HDFC Bank Tata Neu Infinity RuPay

Verify with issuer