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

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

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

HDFC Tata Neu Plus HDFC Bank Credit Card has a lower annual fee (₹250 vs ₹499).

Which card offers better lounge access?

CheQ AU Credit Card: Domestic lounge details not available. 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 CheQ vs HDFC Bank Tata Neu Plus RuPay Credit Cards – Fees, Lounge, Forex

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

Quick comparison

Three core metrics

CheQ AU Small Finance Bank

Annual fee ₹499
Forex markup 3.49%
Domestic lounge Not specified

Tata Neu Plus RuPay HDFC Bank

Annual fee ₹250 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarter

Reward earning explained

Per card

CheQ

12 pts / ₹100 on Partner Brands (app only) (app only · 12% CheQ points (24 poin…

Limited data

Tata Neu Plus RuPay

1 NeuCoins / ₹100 on General spend

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (AU Small Finance Bank CheQ: ₹499 vs HDFC Bank Tata Neu Plus RuPay: ₹250), forex markup (3.49% vs 3.5%), or lounge access (Not specified vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.49%. Forex markup is 3.5%.
Lounge access Insufficient data

Insufficient data to compare lounge access

Only HDFC Bank Tata Neu Plus RuPay has comparable evidence here. Domestic lounge access is 1 per quarter.

Tata Neu Plus RuPay: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Tata Neu Plus RuPay has comparable evidence here. Estimated base reward value is ~1% on base spend.

CheQ: Limited data
upi Tie

Both cards are similar for UPI usage

Supports UPI via RuPay network.

Confidence: Low (limited information available)

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

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

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	CheQ AU Small Finance Bank	Tata Neu Plus RuPay HDFC Bank
Lounge Access
Domestic lounge visits Only available for Tata Neu Plus HDFC Bank	Not specified	1/quarter
Forex / International Use
Forex markup Limited support — verify with issuer. 3.49% vs 3.5%	3.49%	3.5%
Fees
Annual fee ₹499 vs ₹250	₹499	₹250
Joining fee ₹499 vs ₹250	₹499	₹250
Fee waiver spend Only available for Tata Neu Plus HDFC Bank	Not specified	₹1,00,000
Interest-free period Only available for Tata Neu Plus HDFC Bank	Not specified	Up to 50 days
Rewards
Points per ₹100	1 pts	1 pts
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

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.