Which card has a lower forex fee: Tata Neu Infinity HDFC Bank Credit Card or IDFC FIRST Select Credit Card?

IDFC FIRST Select Credit Card has lower forex markup (1.99% vs 2%).

Which card has a lower annual fee: Tata Neu Infinity HDFC Bank Credit Card or IDFC FIRST Select Credit Card?

IDFC FIRST Select Credit Card has a lower annual fee (₹0 vs ₹1,499).

Which card offers better lounge access?

Tata Neu Infinity HDFC Bank Credit Card: 8/year domestic lounge. IDFC FIRST Select Credit Card: 16/year domestic lounge.

Which card has a higher base reward rate?

Tata Neu Infinity HDFC Bank Credit Card has higher base reward value (~1.25% vs ~0.5%).

Pairwise comparison Add another card →

HDFC Bank Tata Neu Infinity RuPay vs IDFC FIRST Bank Select Credit Cards – Fees, Lounge, Forex

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

upi HDFC Bank Tata Neu Infinity RuPay

Quick comparison

Three core metrics

Tata Neu Infinity RuPay HDFC Bank

Annual fee ₹1,499 Waivable at ₹3,00,000 spend
Forex markup 2%
Domestic lounge 8/year

Select IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 1.99%
Domestic lounge 16/year

Reward earning explained

Per card

Tata Neu Infinity RuPay

5 pts / ₹100 on General spend

Limited data

Select

3 pts / ₹150 on General spend

Limited data

Pick based on what matters

6 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Infinity RuPay: ₹1,499 vs IDFC FIRST Bank Select: ₹0), forex markup (2% vs 1.99%), or lounge access (8/year vs 16/year).

Travel Tie

Both cards are similar for travel

Forex markup is 2%.

Tata Neu Infinity RuPay: Limited data Select: Limited data
Forex markup Tie

Both cards are similar for forex

Forex markup is 2%.

Tata Neu Infinity RuPay: Limited data Select: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 8/year. Domestic lounge access is 16/year.

Tata Neu Infinity RuPay: Limited data Select: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Estimated base reward value is ~1.3% on base spend.

Tata Neu Infinity RuPay: Limited data Select: Limited data
Annual fee Insufficient data

Insufficient data to compare fees

Only IDFC FIRST Bank Select has comparable evidence here. Annual fee is ₹0.

Tata Neu Infinity RuPay: Limited data Select: Limited 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.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹630/month at base rate
IDFC FIRST Select: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Tata Neu Infinity RuPay HDFC Bank	Select IDFC FIRST Bank
Lounge Access
Domestic lounge visits 8/year vs 16/year	8/year	16/year
International lounge visits Only available for Tata Neu Infinity HDFC Bank	4/year	Not specified
Forex / International Use
Forex markup Source agreement differs — verify both. 2% vs 1.99%	2%	1.99%
Fees
Annual fee ₹1,499 vs ₹0	₹1,499	₹0
Joining fee ₹1,499 vs ₹0	₹1,499	₹0
Fee waiver spend Only available for Tata Neu Infinity HDFC Bank	₹3,00,000	Not specified
Rewards
Reward points (base spend) 5 pts/₹100 vs 3 pts/₹150	5 pts/₹100	3 pts/₹150
Point cash value	₹0.25	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.