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

Both cards have the same forex markup (3.5%).

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

Federal Bank Imperio Credit Card has a lower annual fee (₹0 vs ₹250).

Which card offers better lounge access?

Federal Bank Imperio Credit Card: 2 per quarter domestic lounge. HDFC Tata Neu Plus HDFC Bank Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

HDFC Tata Neu Plus HDFC Bank Credit Card has higher base reward value (~1% vs ~0.17%).

Pairwise comparison Compare 3+ cards →

Federal Bank Imperio vs HDFC Bank Tata Neu Plus RuPay Credit Cards – Fees, Lounge, Forex

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

Lounge Federal Bank Imperio upi HDFC Bank Tata Neu Plus RuPay

Quick comparison

Three core metrics

Imperio Federal Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹40,000 spend in the previous calendar quarter

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

Imperio

3 pts / ₹150 on Healthcare Grocery (domestic) (3× rewards on healthcare and gro…

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 (Federal Bank Imperio: ₹0 vs HDFC Bank Tata Neu Plus RuPay: ₹250), forex markup (3.5% vs 3.5%), or lounge access (2/quarter vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Federal Bank Imperio wins

Federal Bank Imperio is better for lounge access

Federal Bank Imperio is stronger here. Domestic lounge access is 2 per quarter.
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.
upi HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for UPI usage

HDFC Bank Tata Neu Plus 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 Plus HDFC Bank: ~₹500/month at base rate
Imperio: ~₹80/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Imperio Federal Bank	Tata Neu Plus RuPay HDFC Bank
Lounge Access
Domestic lounge visits 2/quarter vs 1/quarter	2/quarter	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹0 vs ₹250	₹0	₹250
Joining fee ₹0 vs ₹250	₹0	₹250
Fee waiver spend Only available for Tata Neu Plus HDFC Bank	Not specified	₹1,00,000
Interest-free period Up to 48 days vs Up to 50 days	Up to 48 days	Up to 50 days
Rewards
Reward points (base spend) 1 pts/₹150 vs 1 pts/₹100	1 pts/₹150	1 pts/₹100
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.25 vs ₹1	₹0.25	₹1
Point validity 3 years vs 2 years	3 years	2 years

Notes

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