1 pt / ₹150 · Up to 3 pts / ₹150 on Healthcare Grocery
Strong data Pairwise comparison
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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.
The short answer
VerdictPick Imperio for lounge access.
Pick Tata Neu Plus RuPay for rewards and upi.
Head-to-head
Three core metrics- Annual fee Imperio saves ₹499/yrImperio ₹0Tata Neu Plus RuPay ₹499 Waivable at ₹1,00,000 spend
- Forex markup Imperio 3.5%Tata Neu Plus RuPay 3.5%
- Domestic lounge Imperio: +4 lounge visits/yrImperio 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹40,000 spend in the previous calendar quarter (unlocks the following quarter)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 card1 NeuCoins / ₹100 · 2 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (Federal Bank Imperio: ₹0 vs HDFC Bank Tata Neu Plus RuPay: ₹499), forex markup (3.5% vs 3.5%), or lounge access (8/year (2 per quarter) vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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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.
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Rewards HDFC Bank Tata Neu Plus RuPay wins HDFC Bank Tata Neu Plus RuPay is better for rewards
HDFC Bank Tata Neu Plus RuPay is stronger here. HDFC Bank Tata Neu Plus RuPay conservative base value ~1% vs Federal Bank Imperio's ~0.1%.
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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.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Plus HDFC Bank: ~₹500/month at base rate
- Imperio: ~₹30/month at base rate
Illustrative only, using current base rates before caps.
| Field | Imperio Federal Bank | Tata Neu Plus RuPay HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs 4/year (1 per quarter) | 8/year (2 per quarter) | 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 | 3.5% | 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 Up to 48 days vs Up to 50 days | Up to 48 days | Up to 50 days |
| Monthly interest rate Only available for Imperio | 3.75% / month | Not specified |
| Late-payment charge ₹250–₹1,250 depending on outstanding balance vs ₹100–₹1,300 depending on outstanding balance | ₹250–₹1,250 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹150/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap |
| Rewards | ||
| Base earn 1 pt / ₹150 vs 1 NeuCoins / ₹100 | 1 pt / ₹150 | 1 NeuCoins / ₹100 |
| Conservative base value ~0.1% vs ~1% | ~0.1% | ~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. ₹0.25 vs ₹1 | ₹0.25 | ₹1 |
| Point validity 3 years vs 2 years | 3 years | 2 years |
Notes
- Federal Bank Imperio Credit Card: Condition: ₹40,000 spend in the previous calendar quarter (unlocks the following quarter)
- 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.
Federal Bank Imperio
Verify with issuer , opens external siteHDFC Bank Tata Neu Plus RuPay
Verify with issuer , opens external site