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

Forex markup is not fully available for both cards in the current snapshot.

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

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

Which card offers better lounge access?

CheQ AU Credit Card: Lounge access not verified. 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.

CheQ

Tata Neu Plus RuPay

The short answer

Verdict

No decisive winner on the core dimensions — the head-to-head below shows where the small differences are.

Head-to-head

Three core metrics

Annual fee

CheQ ₹0

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

CheQ saves ₹499/yr
Forex markup

CheQ Not specified

Tata Neu Plus RuPay 3.5%
Domestic lounge

CheQ Lounge access not verified

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

Reward earning explained

Per card

CheQ

1 pt / ₹100

Strong 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 CheQ: ₹0 vs HDFC Bank Tata Neu Plus RuPay: ₹499), forex markup (Not specified vs 3.5%), or lounge access (Lounge access not verified vs 4/year (1 per quarter)).

Forex markup Insufficient data

Insufficient data to compare forex

Only HDFC Bank Tata Neu Plus RuPay has comparable evidence here. Forex markup is 3.5%.

CheQ: Limited data Tata Neu Plus RuPay: Strong data
Lounge access Tie

Both cards are similar for lounge access

No verified lounge entitlement or explicit no-lounge evidence on file. Domestic lounge access is 1 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

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

CheQ: Strong data Tata Neu Plus RuPay: Strong data
upi Tie

Both cards are similar for UPI usage

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
CheQ AU: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	CheQ AU Small Finance Bank	Tata Neu Plus RuPay HDFC Bank
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats Only available for Tata Neu Plus HDFC Bank	Not specified	4/year (1 per quarter)
International lounge visits Only available for Tata Neu Plus HDFC Bank	Not specified	No international lounge access
Forex / International Use
Forex markup CheQ AU unclear; Tata Neu Plus HDFC Bank shows 3.5% (verify).	Not specified	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
Interest-free period Only available for Tata Neu Plus HDFC Bank	Not specified	Up to 50 days
Monthly interest rate Only available for CheQ AU	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 Surcharge waiver available · ₹500–₹5,000 transactions · ₹150/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap	Surcharge waiver available · ₹500–₹5,000 transactions · ₹150/month waiver cap	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap
Rewards
Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 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 CheQ

Verify with issuer

HDFC Bank Tata Neu Plus RuPay

Verify with issuer