- Annual fee ₹1,499 Waivable at ₹3,00,000 spend
- Forex markup 2%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter
Pairwise comparison
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HDFC Bank Tata Neu Infinity RuPay vs IDBI Bank Winnings RuPay Select Credit Cards – Fees, Lounge, Forex
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.
Forex HDFC Bank Tata Neu Infinity RuPay
Quick comparison
Three core metrics- Annual fee ₹899 Waivable at ₹90,000 spend
- Forex markup 3.5%
- Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹2 spend in the calendar quarter
Reward earning explained
Per card5 NeuCoins / ₹100 on General spend
Limited data2 pts / ₹100 on General spend (2 Delight Points for every Rs. 100 spent; exclud…
Limited 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 IDBI Bank Winnings RuPay Select: ₹899), forex markup (2% vs 3.5%), or lounge access (2/quarter vs 2/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 Tie Both cards are similar for lounge access
Domestic lounge access is 2 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Estimated base reward value is ~5% on base spend.
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upi Tie Both cards are similar for UPI usage
Supports UPI via RuPay network.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Infinity HDFC Bank: ~₹2,500/month at base rate
- IDBI Winnings RuPay Select: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Tata Neu Infinity RuPay HDFC Bank | Winnings RuPay Select IDBI Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits | 2/quarter | 2/quarter |
| International lounge visits 4/year vs 2/year | 4/year | 2/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 3.5% | 2% | 3.5% |
| Fees | ||
| Annual fee ₹1,499 vs ₹899 | ₹1,499 | ₹899 |
| Joining fee ₹1,499 vs ₹0 | ₹1,499 | ₹0 |
| Fee waiver spend ₹3,00,000 vs ₹90,000 | ₹3,00,000 | ₹90,000 |
| Interest-free period Up to 50 days vs Up to 48 days | Up to 50 days | Up to 48 days |
| Rewards | ||
| Points per ₹100 5 pts vs 2 pts | 5 pts | 2 pts |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
| Point validity 2 years vs 3 years | 2 years | 3 years |
Notes
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.