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BOBCARD Uni GoldX vs HDFC Tata Neu Infinity RuPay
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.
The short answer
Pick Uni GoldX for spending abroad.
Pick Tata Neu Infinity RuPay for rewards and UPI payments.
Uni GoldX costs ₹1,499 less a year.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹1,499/yr apart · waiver gates differUni GoldX ₹0Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend
- Forex markup Forex markup outcome: Uni GoldX wins. Uni GoldX saves ~₹2,000 per ₹1L abroadUni GoldX 0%Tata Neu Infinity RuPay 2%
- Domestic lounge Domestic lounge outcome: insufficient data to compare. Uni GoldX No complimentary lounge accessTata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter
- Rewards Rewards outcome: Tata Neu Infinity RuPay wins. conservative base valueUni GoldX ~1%Tata Neu Infinity RuPay ~1.5%
- UPI payments UPI payments outcome: Tata Neu Infinity RuPay wins. Uni GoldX 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
- BOBCARD Uni GoldX: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | Uni GoldX BOBCARD | Tata Neu Infinity RuPay HDFC Bank |
|---|---|---|
| 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 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 |
| 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
- 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 , opens external site