Which card has a lower forex fee: HDFC Tata Neu Plus HDFC Bank Credit Card or HDFC UPI RuPay Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC Tata Neu Plus HDFC Bank Credit Card or HDFC UPI RuPay Credit Card?

HDFC UPI RuPay Credit Card has a lower annual fee (₹99 vs ₹250).

Which card offers better lounge access?

HDFC Tata Neu Plus HDFC Bank Credit Card: 1 per quarter domestic lounge. HDFC UPI RuPay 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 Plus RuPay vs HDFC Bank UPI RuPay Credit Cards – Fees, Lounge, Forex

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

Lounge HDFC Bank Tata Neu Plus RuPay

Quick comparison

Three core metrics

Tata Neu Plus RuPay HDFC Bank

Annual fee ₹250 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarter

UPI RuPay HDFC Bank

Annual fee ₹99 Waivable at ₹25,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Reward earning explained

Per card

Tata Neu Plus RuPay

1 NeuCoins / ₹100 on General spend

UPI RuPay

3% on Dining Grocery Supermarket (domestic) + 1% on General spend

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Plus RuPay: ₹250 vs HDFC Bank UPI RuPay: ₹99), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for lounge access

HDFC Bank Tata Neu Plus RuPay is stronger here. Domestic lounge access is 1 per quarter.
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Tata Neu Plus RuPay has comparable evidence here. Estimated base reward value is ~1% on base spend.

UPI RuPay: Limited data
upi Tie

Both cards are similar for UPI usage

Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Plus HDFC Bank: ~₹500/month at base rate
UPI RuPay: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Tata Neu Plus RuPay HDFC Bank	UPI RuPay HDFC Bank
Lounge Access
Domestic lounge visits 1/quarter vs No complimentary lounge access	1/quarter	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹250 vs ₹99	₹250	₹99
Joining fee ₹250 vs ₹99	₹250	₹99
Fee waiver spend ₹1,00,000 vs ₹25,000	₹1,00,000	₹25,000
Rewards
Points per ₹100 1 pts vs 1%	1 pts	1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Tata Neu Plus HDFC Bank	₹1	Not specified

Notes

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