- Annual fee ₹1,499 Waivable at ₹3,00,000 spend
- Forex markup 2%
- Domestic lounge 8/year (2 per 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 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.
Lounge HDFC Bank Tata Neu Infinity RuPay Rewards HDFC Bank Tata Neu Infinity RuPay upi HDFC Bank Tata Neu Infinity RuPay
Quick comparison
Three core metrics- Annual fee ₹0 Lifetime free
- Forex markup 1.99%
- Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month
Reward earning explained
Per card1.5 NeuCoins / ₹100 · Up to 5 NeuCoins / ₹100 on BigBasket
Limited data3 pts / ₹200 · Up to 10 pts / ₹200 on Dining
Pick based on what matters
5 dimensionsStart 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 (2 per quarter) vs 4/year (1 per quarter)).
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Travel Tie Both cards are similar for travel
Forex markup is 2%. Forex markup is 1.99%.
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Forex markup Tie Both cards are similar for forex
Forex markup is 2%. Forex markup is 1.99%.
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Lounge access HDFC Bank Tata Neu Infinity RuPay wins HDFC Bank Tata Neu Infinity RuPay is better for lounge access
HDFC Bank Tata Neu Infinity RuPay is stronger here. Domestic lounge access is 2 per quarter.
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Rewards HDFC Bank Tata Neu Infinity RuPay wins HDFC Bank Tata Neu Infinity RuPay is better for rewards
HDFC Bank Tata Neu Infinity RuPay is stronger here. HDFC Bank Tata Neu Infinity RuPay conservative base value ~1.5% vs IDFC FIRST Bank Select's ~0.4%.
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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.
HDFC Bank Tata Neu Infinity RuPay
Confidence: Low (limited information available)
Verify with issuer , opens external siteIDFC FIRST Bank Select
Confidence: Low (limited information available)
Verify with issuer , opens external siteAll fields
Example usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
- IDFC FIRST Select: ~₹190/month at base rate
Illustrative only, using current base rates before caps.
Swipe for all fields
| Field | Tata Neu Infinity RuPay HDFC Bank | Select IDFC FIRST Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 8/year (2 per quarter) vs 4/year (1 per quarter) | 8/year (2 per quarter) | 4/year (1 per quarter) |
| 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 |
| Interest-free period Up to 50 days vs Up to 45 days | Up to 50 days | Up to 45 days |
| Rewards | ||
| Base earn 1.5 NeuCoins / ₹100 vs 3 pts / ₹200 | 1.5 NeuCoins / ₹100 | 3 pts / ₹200 |
| Conservative base value ~1.5% vs ~0.4% | ~1.5% | ~0.4% |
| 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 1 year vs 2 years | 1 year | 2 years |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.