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 Tata Neu Infinity RuPay vs IDBI Winnings RuPay Select
Side-by-side comparison of the HDFC Bank Tata Neu Infinity RuPay and the IDBI Bank Winnings RuPay Select. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick Tata Neu Infinity RuPay for spending abroad.
Pick Winnings RuPay Select for a lower fee.
Winnings RuPay Select costs ₹600 less a year.
Head-to-head
- Annual fee Annual fee outcome: Winnings RuPay Select wins. Winnings RuPay Select saves ₹600/yrTata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spendWinnings RuPay Select ₹899 Waivable at ₹90,000 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%Winnings RuPay Select 3.5%
- Domestic lounge Domestic lounge outcome: tie. Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarterWinnings RuPay Select 8/year (2 per quarter)
- Rewards Rewards outcome: insufficient data to compare. conservative base valueTata Neu Infinity RuPay ~1.5%Winnings RuPay Select Not safely INR-comparable
- UPI payments UPI payments outcome: tie. Tata Neu Infinity RuPay Supports UPIWinnings RuPay Select Supports UPI
Reward earning explained
2 pts / ₹100
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
- IDBI Winnings RuPay Select: Base earn not clearly specified
Illustrative only, using current base rates before caps.
All fields
| Field | Tata Neu Infinity RuPay HDFC Bank | Winnings RuPay Select IDBI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 8/year (2 per quarter) | 8/year (2 per quarter) |
| International lounge visits Not included vs 4 per year | No international lounge access | 4 per year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 3.5% | 2% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,499 vs ₹899 | ₹1,499 | ₹899 |
| First-year cost Only available for Tata Neu Infinity HDFC Bank | ₹1,499 | Not specified |
| Annual-fee waiver ₹3,00,000 or more vs ₹90,000 | ₹3,00,000 or more | ₹90,000 |
| 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 3.4% / month | 3.75% / month | 3.4% / 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 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 | ||
| Points per ₹100 1.5 NeuCoins / ₹100 vs 2 pts / ₹100 | 1.5 NeuCoins / ₹100 | 2 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 ₹10 lakh | ₹1 crore | ₹10 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 Winnings RuPay Select
Verify with issuer , opens external site