1% · Up to 5% on Selected categories
Strong data Pairwise comparison
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HDFC Bank PIXEL Go vs SBI Card Tata Neu Plus Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank PIXEL Go and the SBI Card Tata Neu Plus. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Tata Neu Plus for lounge access and upi.
Head-to-head
Three core metrics- Annual fee PIXEL Go saves ₹249/yrPIXEL Go ₹250 Waivable at ₹50,000 spendTata Neu Plus ₹499 Waivable at ₹1,00,000 spend
- Forex markup PIXEL Go 3.5%Tata Neu Plus 3.5%
- Domestic lounge Tata Neu Plus: +4 lounge visits/yrPIXEL Go No complimentary lounge accessTata Neu Plus 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card1 NeuCoins / ₹100 · Up to 5 NeuCoins / ₹100 on Tata Neu Select Accelerated
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank PIXEL Go: ₹250 vs SBI Card Tata Neu Plus: ₹499), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access 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 SBI Card Tata Neu Plus wins SBI Card Tata Neu Plus is better for lounge access
SBI Card Tata Neu Plus is stronger here. Domestic lounge access is 1 per quarter.
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Rewards Tie Both cards are similar for rewards
HDFC Bank PIXEL Go conservative base value ~1% vs SBI Card Tata Neu Plus's ~1%. SBI Card Tata Neu Plus conservative base value ~1% vs HDFC Bank PIXEL Go's ~1%.
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upi SBI Card Tata Neu Plus wins SBI Card Tata Neu Plus is better for UPI usage
SBI Card Tata Neu Plus is stronger here. Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- PIXEL Go: ~₹500/month at base rate
- Tata Neu Plus SBI Card: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| Field | PIXEL Go HDFC Bank | Tata Neu Plus SBI Card |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats No complimentary lounge access vs 4/year (1 per quarter) | No complimentary lounge access | 4/year (1 per quarter) |
| International lounge visits Only available for Tata Neu Plus SBI Card | Not specified | No international lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹250 vs ₹499 | ₹250 | ₹499 |
| Annual-fee waiver ₹50,000 vs ₹1,00,000 | ₹50,000 | ₹1,00,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for PIXEL Go | ₹100–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit Only available for PIXEL Go | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded | Not specified |
| Rewards | ||
| Base earn 1% vs 1 NeuCoins / ₹100 | 1% | 1 NeuCoins / ₹100 |
| Conservative base value | ~1% | ~1% |
| Earn ceiling ₹15,000 per month vs 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend | ₹15,000 per month | 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 SBI Card | Not specified | ₹1 |
Notes
- Tata Neu Plus SBI Card: Condition: ₹50,000 spend in the previous calendar quarter (unlocks the following quarter)
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
HDFC Bank PIXEL Go
Verify with issuer , opens external siteSBI Card Tata Neu Plus
Verify with issuer , opens external site