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 IDFC FIRST WOW!
Side-by-side comparison of the HDFC Bank Tata Neu Infinity RuPay and the IDFC FIRST Bank WOW!. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick Tata Neu Infinity RuPay for rewards and UPI payments.
Pick WOW! for spending abroad.
WOW! costs ₹1,499 less a year.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹1,499/yr apart · waiver gates differTata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spendWOW! ₹0
- Forex markup Forex markup outcome: WOW! wins. WOW! saves ~₹2,000 per ₹1L abroadTata Neu Infinity RuPay 2%WOW! 0%
- Domestic lounge Domestic lounge outcome: insufficient data to compare. Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarterWOW! No complimentary lounge access
- Rewards Rewards outcome: Tata Neu Infinity RuPay wins. conservative base valueTata Neu Infinity RuPay ~1.5%WOW! ~0.5%
- UPI payments UPI payments outcome: Tata Neu Infinity RuPay wins. Tata Neu Infinity RuPay Supports UPIWOW! No UPI support
Reward earning explained
2 pts / ₹100 on domestic spend
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
- IDFC FIRST WOW!: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | Tata Neu Infinity RuPay HDFC Bank | WOW! IDFC FIRST Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 8/year (2 per quarter) vs No complimentary lounge access | 8/year (2 per quarter) | No complimentary lounge access |
| International lounge visits Not included vs 4 per year | No international lounge access | 4 per year |
| Forex / International Use | ||
| Forex markup 2% vs 0% | 2% | 0% |
| Fees | ||
| Recurring annual fee ₹1,499 vs ₹0 | ₹1,499 | ₹0 |
| First-year cost Only available for Tata Neu Infinity HDFC Bank | ₹1,499 | Not specified |
| Annual-fee waiver Only available for Tata Neu Infinity HDFC Bank | ₹3,00,000 or more | Not specified |
| Interest-free period Only available for Tata Neu Infinity HDFC Bank | Up to 50 days | Not specified |
| Monthly interest rate Only available for Tata Neu Infinity HDFC Bank | 3.75% / month | Not specified |
| Late-payment charge Only available for Tata Neu Infinity HDFC Bank | ₹100–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit Only available for Tata Neu Infinity HDFC Bank | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap | Not specified |
| Rewards | ||
| Points per ₹100 1.5 NeuCoins / ₹100 vs 2 pts / ₹100 on domestic spend | 1.5 NeuCoins / ₹100 | 2 pts / ₹100 on domestic spend |
| Conservative base value ~1.5% vs ~0.5% | ~1.5% | ~0.5% |
| 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. ₹1 vs ₹0.25 | ₹1 | ₹0.25 |
| Point validity 1 year vs 2 years | 1 year | 2 years |
| Insurance — Air accident cover Only available for Tata Neu Infinity HDFC Bank | ₹1 crore | Not specified |
| 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 siteIDFC FIRST Bank WOW!
Verify with issuer , opens external site