1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
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HDFC Tata Neu Infinity RuPay vs INDUSIND Legend
Side-by-side comparison of the HDFC Bank Tata Neu Infinity RuPay and the IndusInd Bank Legend. 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.
Legend 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 spendLegend ₹0
- Forex markup Forex markup outcome: tie. TieTata Neu Infinity RuPay 2%Legend 1.8%
- 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 quarterLegend No complimentary lounge access
- Rewards Rewards outcome: Tata Neu Infinity RuPay wins. conservative base valueTata Neu Infinity RuPay ~1.5%Legend ~0.5%
- UPI payments UPI payments outcome: Tata Neu Infinity RuPay wins. Tata Neu Infinity RuPay Supports UPILegend No UPI support
Reward earning explained
1 pt / ₹100 · Up to 2 pts / ₹100 on Weekend
Strong dataExample usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
- IndusInd Bank Legend: ~₹250/month at base rate
Illustrative only, using current base rates before caps.
All fields
| Field | Tata Neu Infinity RuPay HDFC Bank | Legend IndusInd 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 | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup Same forex; compare fee and lounge rows. 2% vs 1.8% | 2% | 1.8% |
| 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 3.75% / month vs 3.95% / month | 3.75% / month | 3.95% / month |
| Late-payment charge | ₹100–₹1,300 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap vs 1% surcharge waiver · ₹500–₹3,000 transactions · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap | 1% surcharge waiver · ₹500–₹3,000 transactions · Fuel rewards excluded |
| Rewards | ||
| Points per ₹100 1.5 NeuCoins / ₹100 vs 1 pt / ₹100 | 1.5 NeuCoins / ₹100 | 1 pt / ₹100 |
| 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. Only available for Tata Neu Infinity HDFC Bank | ₹1 | Not specified |
| Point validity Only available for Tata Neu Infinity HDFC Bank | 1 year | Not specified |
| 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 siteIndusInd Bank Legend
Verify with issuer , opens external site