1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
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HDFC Bank Tata Neu Infinity RuPay vs Kotak Mahindra Bank Mojo Platinum Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Tata Neu Infinity RuPay and the Kotak Mahindra Bank Mojo Platinum. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Tata Neu Infinity RuPay for spending abroad, rewards and upi.
Head-to-head
Three core metrics- Annual fee Mojo Platinum saves ₹499/yrTata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spendMojo Platinum ₹1,000 Waivable at ₹1,00,000 spend
- Forex markup Tata Neu Infinity RuPay saves ~₹1,500 per ₹1L abroadTata Neu Infinity RuPay 2%Mojo Platinum 3.5%
- Domestic lounge Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarterMojo Platinum 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
Reward earning explained
Per card1 pt / ₹100 · Up to 2.5 pts / ₹100 on online spend
Strong 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 Kotak Mahindra Bank Mojo Platinum: ₹1,000), forex markup (2% vs 3.5%), or lounge access (8/year (2 per quarter) vs 8/year (2 per 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 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 Kotak Mahindra Bank Mojo Platinum's ~0.2%.
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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.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
- Kotak Mojo Platinum: ~₹100/month at base rate
Illustrative only, using current base rates before caps.
| Field | Tata Neu Infinity RuPay HDFC Bank | Mojo Platinum Kotak Mahindra Bank |
|---|---|---|
| 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 |
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats | 8/year (2 per quarter) | 8/year (2 per quarter) |
| International lounge visits | No international lounge access | No international lounge access |
| Forex / International Use | ||
| Forex markup 2% vs 3.5% | 2% | 3.5% |
| Fees | ||
| Recurring annual fee ₹1,499 vs ₹1,000 | ₹1,499 | ₹1,000 |
| First-year cost Only available for Tata Neu Infinity HDFC Bank | ₹1,499 | Not specified |
| Annual-fee waiver ₹3,00,000 or more vs ₹1,00,000 | ₹3,00,000 or more | ₹1,00,000 |
| Interest-free period Up to 50 days vs Up to 51 days | Up to 50 days | Up to 51 days |
| Monthly interest rate Only available for Tata Neu Infinity HDFC Bank | 3.75% / month | Not specified |
| Late-payment charge ₹100–₹1,300 depending on outstanding balance vs ₹100–₹1,200 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance | ₹100–₹1,200 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap vs 1% surcharge waiver · ₹500–₹5,000 transactions · ₹3,500/year waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap | 1% surcharge waiver · ₹500–₹5,000 transactions · ₹3,500/year waiver cap · 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 ~0.2% | ~1.5% | ~0.2% |
| 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 Eligible spend capped at ₹70,000 per statement cycle | 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend | Eligible spend capped at ₹70,000 per statement cycle |
| 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 |
Notes
- Tata Neu Infinity HDFC Bank Credit Card: Condition: ₹50,000 spend in the calendar quarter
- Kotak Mojo Platinum Credit Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following 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 siteKotak Mahindra Bank Mojo Platinum
Verify with issuer , opens external site