Which card has a lower forex fee: Tata Neu Infinity HDFC Bank Credit Card or YES Bank Uni GoldX Credit Card?

YES Bank Uni GoldX Credit Card has lower forex markup (0% vs 2%).

Which card has a lower annual fee: Tata Neu Infinity HDFC Bank Credit Card or YES Bank Uni GoldX Credit Card?

YES Bank Uni GoldX Credit Card has a lower annual fee (₹0 vs ₹1,499).

Which card offers better lounge access?

Tata Neu Infinity HDFC Bank Credit Card: 2 per quarter domestic lounge. YES Bank Uni GoldX Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

HDFC Bank Tata Neu Infinity RuPay vs YES Bank Uni GoldX Credit Cards – Fees, Lounge, Forex

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

Forex YES Bank Uni GoldX 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

Tata Neu Infinity RuPay HDFC Bank

Annual fee ₹1,499 Waivable at ₹3,00,000 spend
Forex markup 2%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Uni GoldX YES Bank

Annual fee ₹0 Lifetime free
Forex markup 0%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Tata Neu Infinity RuPay

5 NeuCoins / ₹100 on General spend

Limited data

Uni GoldX

1% on General spend

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Infinity RuPay: ₹1,499 vs YES Bank Uni GoldX: ₹0), forex markup (2% vs 0%), or lounge access (2/quarter vs No complimentary lounge access).

Travel Insufficient data

Insufficient data to compare travel

Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Forex markup is 2%.

Tata Neu Infinity RuPay: Limited data Uni GoldX: Limited data
Forex markup YES Bank Uni GoldX wins

YES Bank Uni GoldX is better for forex

YES Bank Uni GoldX is stronger here. Forex markup is 0%.
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.
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. Estimated base reward value is ~5% on base spend.
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: ~₹2,500/month at base rate
YES Bank Uni GoldX: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Tata Neu Infinity RuPay HDFC Bank	Uni GoldX YES Bank
Lounge Access
Domestic lounge visits 2/quarter vs No complimentary lounge access	2/quarter	No complimentary lounge access
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 0%	2%	0%
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
Points per ₹100 5 pts vs 1%	5 pts	1%
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	2 years	Not specified

Notes

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