Which card has a lower forex fee: Tata Neu Infinity HDFC Bank Credit Card or IDBI Euphoria World Credit Card?

Tata Neu Infinity HDFC Bank Credit Card has lower forex markup (2% vs 3.5%).

Which card has a lower annual fee: Tata Neu Infinity HDFC Bank Credit Card or IDBI Euphoria World Credit Card?

Both cards have the same annual fee (₹1,499 annual fee).

Which card offers better lounge access?

Tata Neu Infinity HDFC Bank Credit Card: 2 per quarter domestic lounge. IDBI Euphoria World Credit Card: 12 per year domestic lounge.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

HDFC Bank Tata Neu Infinity RuPay vs IDBI Bank Euphoria World Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Tata Neu Infinity RuPay and the IDBI Bank Euphoria World. Verify fees, lounge access, forex markup, and base rewards before you apply.

Tata Neu Infinity RuPay

Euphoria World

The short answer

Verdict

Pick Tata Neu Infinity RuPay for spending abroad and upi.

Pick Euphoria World for lounge access.

Head-to-head

Three core metrics

Annual fee

Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend

Euphoria World ₹1,499 Waivable at Above ₹1,50,000 spend
Forex markup

Tata Neu Infinity RuPay 2%

Euphoria World 3.5%

Tata Neu Infinity RuPay saves ~₹1,500 per ₹1L abroad
Domestic lounge

Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Euphoria World 12/year

Euphoria World: +4 lounge visits/yr

Reward earning explained

Per card

Tata Neu Infinity RuPay

1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

Euphoria World

3 pts / ₹100 · Up to 6 pts / ₹100 on Travel

Strong data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Infinity RuPay: ₹1,499 vs IDBI Bank Euphoria World: ₹1,499), forex markup (2% vs 3.5%), or lounge access (8/year (2 per quarter) vs 12/year).

Travel Insufficient data

Insufficient data to compare travel

Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Forex markup is 2%.

Tata Neu Infinity RuPay: Strong data Euphoria World: Strong data
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%.
Lounge access IDBI Bank Euphoria World wins

IDBI Bank Euphoria World is better for lounge access

IDBI Bank Euphoria World is stronger here. IDBI Bank Euphoria World offers 12 domestic lounge visits per year versus 8.
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. IDBI Bank Euphoria World is not safely INR-comparable (no usable point value).

Tata Neu Infinity RuPay: Strong data Euphoria World: Strong data
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

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
IDBI Euphoria World: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Tata Neu Infinity RuPay HDFC Bank	Euphoria World IDBI Bank
Insurance — Air accident cover ₹1 crore vs ₹25 lakh	₹1 crore	₹25 lakh
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 12/year	8/year (2 per quarter)	12/year
International lounge visits Only available for Tata Neu Infinity HDFC Bank	No international lounge access	Not specified
Forex / International Use
Forex markup Source agreement differs — verify both. 2% vs 3.5%	2%	3.5%
Fees
Recurring annual fee	₹1,499	₹1,499
First-year cost ₹1,499 vs ₹0	₹1,499	₹0
Annual-fee waiver ₹3,00,000 or more vs Above ₹1,50,000	₹3,00,000 or more	Above ₹1,50,000
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 vs 2.9% / month	3.75% / month	2.9% / month
Late-payment charge Only available for Tata Neu Infinity HDFC Bank	₹100–₹1,300 depending on outstanding balance	Not specified
Fuel benefit	1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap	1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap
Rewards
Points per ₹100 1.5 NeuCoins / ₹100 vs 3 pts / ₹100	1.5 NeuCoins / ₹100	3 pts / ₹100
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 Not stated	2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend	Not stated
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 1 year vs 3 years	1 year	3 years

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

IDBI Bank Euphoria World

Verify with issuer