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 (No joining or annual fee currently listed vs ₹1,499 annual fee).

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?

Tata Neu Infinity HDFC Bank Credit Card has higher conservative base reward value (~1.5% vs ~1%).

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.

Tata Neu Infinity RuPay

Uni GoldX

The short answer

Verdict

Pick Tata Neu Infinity RuPay for lounge access, rewards and upi.

Pick Uni GoldX for spending abroad.

Head-to-head

Three core metrics

Annual fee

Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend

Uni GoldX ₹0

Uni GoldX saves ₹1,499/yr
Forex markup

Tata Neu Infinity RuPay 2%

Uni GoldX 0%

Uni GoldX saves ~₹2,000 per ₹1L abroad
Domestic lounge

Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Uni GoldX No complimentary lounge access

Tata Neu Infinity RuPay: +8 lounge visits/yr

Reward earning explained

Per card

Tata Neu Infinity RuPay

1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

Uni GoldX

Limited data

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 (8/year (2 per 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: Strong data Uni GoldX: Strong 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. HDFC Bank Tata Neu Infinity RuPay conservative base value ~1.5% vs YES Bank Uni GoldX's ~1%.
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

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
YES Bank Uni GoldX: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Tata Neu Infinity RuPay HDFC Bank	Uni GoldX YES 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) 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 Source agreement differs — verify both. 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
Monthly interest rate 3.75% / month vs 3.99% / month	3.75% / month	3.99% / month
Late-payment charge Only available for Tata Neu Infinity HDFC Bank	₹100–₹1,300 depending on outstanding balance	Not specified
Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap vs 1% surcharge waiver · up to ₹7,500 transactions · ₹500/month waiver cap	1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap	1% surcharge waiver · up to ₹7,500 transactions · ₹500/month waiver cap
Rewards
Base earn 1.5 NeuCoins / ₹100 vs 1%	1.5 NeuCoins / ₹100	1%
Conservative base value ~1.5% vs ~1%	~1.5%	~1%
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

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

YES Bank Uni GoldX

Verify with issuer