1 NeuCoins / ₹100 · 2 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
Strong data Pairwise comparison
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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.
The short answer
VerdictPick Tata Neu Plus RuPay for lounge access.
Head-to-head
Three core metrics- Annual fee UPI RuPay saves ₹400/yrTata Neu Plus RuPay ₹499 Waivable at ₹1,00,000 spendUPI RuPay ₹99 Waivable at ₹25,000 spend
- Forex markup Tata Neu Plus RuPay 3.5%UPI RuPay 3.5%
- Domestic lounge Tata Neu Plus RuPay: +4 lounge visits/yrTata Neu Plus RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarterUPI RuPay No complimentary lounge access
Reward earning explained
Per card1% · Up to 3% on Dining Grocery Supermarket
Strong dataPick based on what matters
4 dimensionsStart with the constraint you care about most: annual fee (HDFC Bank Tata Neu Plus RuPay: ₹499 vs HDFC Bank UPI RuPay: ₹99), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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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.
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Rewards Tie Both cards are similar for rewards
HDFC Bank Tata Neu Plus RuPay conservative base value ~1% vs HDFC Bank UPI RuPay's ~1%. HDFC Bank UPI RuPay conservative base value ~1% vs HDFC Bank Tata Neu Plus RuPay's ~1%.
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upi Tie Both cards are similar for UPI usage
Supports UPI via RuPay network.
All fields
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.
| Field | Tata Neu Plus RuPay HDFC Bank | UPI RuPay HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| International lounge visits Only available for Tata Neu Plus HDFC Bank | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹499 vs ₹99 | ₹499 | ₹99 |
| Annual-fee waiver ₹1,00,000 vs ₹25,000 | ₹1,00,000 | ₹25,000 |
| Monthly interest rate Only available for UPI RuPay | Not specified | 3.75% / month |
| Late-payment charge | ₹100–₹1,300 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap vs No surcharge waiver | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap | No surcharge waiver |
| Rewards | ||
| Base earn 1 NeuCoins / ₹100 vs 1% | 1 NeuCoins / ₹100 | 1% |
| Conservative base value | ~1% | ~1% |
| Earn ceiling 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend vs 500 CashPoints per month | 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend | 500 CashPoints per month |
| 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
- HDFC Tata Neu Plus 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 Plus RuPay
Verify with issuer , opens external siteHDFC Bank UPI RuPay
Verify with issuer , opens external site