1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
Strong data Pairwise comparison
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HDFC Bank Tata Neu Infinity RuPay vs ICICI Bank HPCL Super Saver Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Tata Neu Infinity RuPay and the ICICI Bank HPCL Super Saver. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Tata Neu Infinity RuPay for spending abroad, lounge access and upi.
Head-to-head
Three core metrics- Annual fee HPCL Super Saver saves ₹999/yrTata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spendHPCL Super Saver ₹500 Waivable at ₹1,50,000 or more spend
- Forex markup Tata Neu Infinity RuPay saves ~₹1,500 per ₹1L abroadTata Neu Infinity RuPay 2%HPCL Super Saver 3.5%
- Domestic lounge Tata Neu Infinity RuPay: +4 lounge visits/yrTata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarterHPCL Super Saver 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card10 pts / ₹150
Strong dataPick based on what matters
5 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Tata Neu Infinity RuPay: ₹1,499 vs ICICI Bank HPCL Super Saver: ₹500), forex markup (2% vs 3.5%), or lounge access (8/year (2 per quarter) vs 4/year (1 per quarter)).
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Travel Insufficient data Insufficient data to compare travel
Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Forex markup is 2%.
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Forex markup HDFC Bank Tata Neu Infinity RuPay wins HDFC Bank Tata Neu Infinity RuPay is better for forex
HDFC Bank Tata Neu Infinity RuPay is stronger here. Forex markup is 2%.
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Lounge access HDFC Bank Tata Neu Infinity RuPay wins HDFC Bank Tata Neu Infinity RuPay is better for lounge access
HDFC Bank Tata Neu Infinity RuPay is stronger here. Domestic lounge access is 2 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: HDFC Bank Tata Neu Infinity RuPay conservative base value ~1.5% per ₹100. ICICI Bank HPCL Super Saver is not safely INR-comparable (no usable point value).
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upi HDFC Bank Tata Neu Infinity RuPay wins HDFC Bank Tata Neu Infinity RuPay is better for UPI usage
HDFC Bank Tata Neu Infinity RuPay is stronger here. Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
- HPCL Super Saver: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | Tata Neu Infinity RuPay HDFC Bank | HPCL Super Saver ICICI Bank |
|---|---|---|
| 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 |
| 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 | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup 2% vs 3.5% | 2% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,499 vs ₹500 | ₹1,499 | ₹500 |
| First-year cost ₹1,499 vs ₹500 | ₹1,499 | ₹500 |
| Annual-fee waiver ₹3,00,000 or more vs ₹1,50,000 or more | ₹3,00,000 or more | ₹1,50,000 or more |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge | ₹100–₹1,300 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap vs 1% surcharge waiver · ₹400–₹4,000 transactions | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap | 1% surcharge waiver · ₹400–₹4,000 transactions |
| Rewards | ||
| Base earn 1.5 NeuCoins / ₹100 vs 10 pts / ₹150 | 1.5 NeuCoins / ₹100 | 10 pts / ₹150 |
| Conservative base value ~1.5% vs Not safely INR-comparable | ~1.5% | Not safely INR-comparable |
| 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 ₹200 per month | 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend | ₹200 per month |
| 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 |
Notes
- Tata Neu Infinity HDFC Bank Credit Card: Condition: ₹50,000 spend in the calendar quarter
- ICICI Bank HPCL Super Saver Credit Card: Condition: ₹75,000 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 Tata Neu Infinity RuPay
Verify with issuer , opens external siteICICI Bank HPCL Super Saver
Verify with issuer , opens external site