1 pt / ₹100 on domestic spend
Strong data Pairwise comparison
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AU CheQ vs HDFC Tata Neu Plus RuPay
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.
The short answer
CheQ costs ₹499 less a year.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹499/yr apart · waiver gates differCheQ ₹0Tata Neu Plus RuPay ₹499 Waivable at ₹1,00,000 spend
- Forex markup Forex markup outcome: tie. TieCheQ 3.49%Tata Neu Plus RuPay 3.5%
- Domestic lounge Domestic lounge outcome: insufficient data to compare. CheQ Not specifiedTata Neu Plus RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarter
- Rewards Rewards outcome: insufficient data to compare. conservative base valueCheQ Not safely INR-comparableTata Neu Plus RuPay ~1%
- UPI payments UPI payments outcome: tie. CheQ Supports UPITata Neu Plus RuPay Supports UPI
Reward earning explained
1 NeuCoins / ₹100 · 2 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
Strong dataExample 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.
All fields
| 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 Limited support — verify with issuer. 3.49% vs 3.5% | 3.49% | 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 on domestic spend vs 1 NeuCoins / ₹100 | 1 pt / ₹100 on domestic spend | 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 , opens external siteHDFC Bank Tata Neu Plus RuPay
Verify with issuer , opens external site