1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
Strong data Pairwise comparison
Compare 3+ cards →
HDFC Tata Neu Infinity RuPay vs HSBC Live+
Side-by-side comparison of the HDFC Bank Tata Neu Infinity RuPay and the HSBC India Live+. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick Tata Neu Infinity RuPay for lounge access and UPI payments.
Pick Live+ for a lower fee.
Live+ costs ₹500 less a year.
Head-to-head
- Annual fee Annual fee outcome: Live+ wins. Live+ saves ₹500/yrTata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spendLive+ ₹999 Waivable at ₹2,00,000 spend
- Forex markup Forex markup outcome: tie. TieTata Neu Infinity RuPay 2%Live+ 1.99%
- Domestic lounge Domestic lounge outcome: Tata Neu Infinity RuPay wins. Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarterLive+ 2/year
- Rewards Rewards outcome: tie. conservative base valueTata Neu Infinity RuPay ~1.5%Live+ ~1.5%
- UPI payments UPI payments outcome: Tata Neu Infinity RuPay wins. Tata Neu Infinity RuPay Supports UPILive+ No UPI support
Reward earning explained
1.5% on domestic spend · 10% on eligible dining, food delivery, grocery, and utilities
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
- HSBC Live+: ~₹750/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | Tata Neu Infinity RuPay HDFC Bank | Live+ HSBC India |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs 2/year | 8/year (2 per quarter) | 2/year |
| International lounge visits Not included vs 1 per year | No international lounge access | 1 per year |
| Forex / International Use | ||
| Forex markup Same forex; compare fee and lounge rows. 2% vs 1.99% | 2% | 1.99% |
| Fees | ||
| Recurring annual fee ₹1,499 vs ₹999 | ₹1,499 | ₹999 |
| First-year cost Only available for Tata Neu Infinity HDFC Bank | ₹1,499 | Not specified |
| Annual-fee waiver ₹3,00,000 or more vs ₹2,00,000 | ₹3,00,000 or more | ₹2,00,000 |
| Interest-free period Only available for Tata Neu Infinity HDFC Bank | Up to 50 days | Not specified |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for Tata Neu Infinity HDFC Bank | ₹100–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit Only available for Tata Neu Infinity HDFC Bank | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap | Not specified |
| Rewards | ||
| Base earn Some reward lanes are unsupported — base rate only for comparison. 1.5 NeuCoins / ₹100 vs 1.5% on domestic spend | 1.5 NeuCoins / ₹100 | 1.5% on domestic spend |
| Conservative base value | ~1.5% | ~1.5% |
| Earn ceiling 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend vs ₹1,200 per month — shared across Dining, Food delivery, Grocery, Shopping & Utilities | 2,000 NeuCoins per month at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend | ₹1,200 per month — shared across Dining, Food delivery, Grocery, Shopping & Utilities |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Tata Neu Infinity HDFC Bank | ₹1 | Not specified |
| Point validity Only available for Tata Neu Infinity HDFC Bank | 1 year | Not specified |
| Insurance — Air accident cover Only available for Tata Neu Infinity HDFC Bank | ₹1 crore | Not specified |
| Insurance — Emergency medical cover Only available for Tata Neu Infinity HDFC Bank | ₹15 lakh | Not specified |
| Insurance — Lost card liability cover Only available for Tata Neu Infinity HDFC Bank | ₹9 lakh | Not specified |
| Insurance — Underwriter Only available for Tata Neu Infinity HDFC Bank | Insured by HDFC ERGO General Insurance Company Limited | Not specified |
Notes
- Tata Neu Infinity 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.
HDFC Bank Tata Neu Infinity RuPay
Verify with issuer , opens external siteHSBC India Live+
Verify with issuer , opens external site