1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
Strong data Pairwise comparison
Compare 3+ cards →
HDFC Tata Neu Infinity RuPay vs YES Uni GoldX
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.
The short answer
Pick Tata Neu Infinity RuPay for rewards and UPI payments.
Pick Uni GoldX for spending abroad.
Uni GoldX 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 spendUni GoldX ₹0
- Forex markup Forex markup outcome: Uni GoldX wins. Uni GoldX saves ~₹2,000 per ₹1L abroadTata Neu Infinity RuPay 2%Uni GoldX 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 quarterUni GoldX No complimentary lounge access
- Rewards Rewards outcome: Tata Neu Infinity RuPay wins. conservative base valueTata Neu Infinity RuPay ~1.5%Uni GoldX ~1%
- UPI payments UPI payments outcome: Tata Neu Infinity RuPay wins. Tata Neu Infinity RuPay Supports UPIUni GoldX No UPI support
Reward earning explained
1%
Limited dataExample 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.
All fields
| Field | Tata Neu Infinity RuPay HDFC Bank | Uni GoldX YES 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 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 |
| 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 siteYES Bank Uni GoldX
Verify with issuer , opens external site