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 (₹0 vs ₹1,499).

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?

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

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.

Forex BOBCARD Uni GoldX Lounge HDFC Bank Tata Neu Infinity RuPay Rewards HDFC Bank Tata Neu Infinity RuPay upi HDFC Bank Tata Neu Infinity RuPay

Quick comparison

Three core metrics

Uni GoldX BOBCARD

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge No complimentary lounge access

Tata Neu Infinity RuPay HDFC Bank

Annual fee ₹1,499 Waivable at ₹3,00,000 spend
Forex markup 2%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Reward earning explained

Per card

Uni GoldX

1% on General spend

Tata Neu Infinity RuPay

5 NeuCoins / ₹100 on General spend

Limited 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 2/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: Limited data Tata Neu Infinity RuPay: Limited 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. Estimated base reward value is ~5% on base spend.
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.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹2,500/month at base rate
BOBCARD Uni GoldX: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Uni GoldX BOBCARD	Tata Neu Infinity RuPay HDFC Bank
Lounge Access
Domestic lounge visits No complimentary lounge access vs 2/quarter	No complimentary lounge access	2/quarter
International lounge visits Only available for Tata Neu Infinity HDFC Bank	Not specified	4/year
Forex / International Use
Forex markup Source agreement differs — verify both. 0% vs 2%	0%	2%
Fees
Annual fee ₹0 vs ₹1,499	₹0	₹1,499
Joining fee ₹0 vs ₹1,499	₹0	₹1,499
Fee waiver spend Only available for Tata Neu Infinity HDFC Bank	Not specified	₹3,00,000
Rewards
Points per ₹100 1% vs 5 pts	1%	5 pts
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	2 years

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.