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 IDBI Euphoria World
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.
The short answer
Pick Tata Neu Infinity RuPay for spending abroad and UPI payments.
Pick Euphoria World for lounge access.
Head-to-head
- Annual fee Annual fee outcome: tie. Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spendEuphoria World ₹1,499 Waivable at Above ₹1,50,000 spend
- Forex markup Forex markup outcome: Tata Neu Infinity RuPay wins. Tata Neu Infinity RuPay saves ~₹1,500 per ₹1L abroadTata Neu Infinity RuPay 2%Euphoria World 3.5%
- Domestic lounge Domestic lounge outcome: Euphoria World wins. Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarterEuphoria World 12/year
- Rewards Rewards outcome: insufficient data to compare. conservative base valueTata Neu Infinity RuPay ~1.5%Euphoria World Not safely INR-comparable
- UPI payments UPI payments outcome: Tata Neu Infinity RuPay wins. Tata Neu Infinity RuPay Supports UPIEuphoria World No UPI support
Reward earning explained
3 pts / ₹100 · Up to 6 pts / ₹100 on Travel
Strong dataExample 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.
All fields
| Field | Tata Neu Infinity RuPay HDFC Bank | Euphoria World IDBI Bank |
|---|---|---|
| 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 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 ₹100–₹1,300 depending on outstanding balance vs ₹950 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance | ₹950 depending on outstanding balance |
| 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 |
| 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 |
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 siteIDBI Bank Euphoria World
Verify with issuer , opens external site