Which card has a lower forex fee: HDFC Tata Neu Plus HDFC Bank Credit Card or IDBI Royale Signature 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 IDBI Royale Signature Credit Card?

IDBI Royale Signature Credit Card has a lower annual fee (₹0 vs ₹250).

Which card offers better lounge access?

HDFC Tata Neu Plus HDFC Bank Credit Card: 1 per quarter domestic lounge. IDBI Royale Signature Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

HDFC Tata Neu Plus HDFC Bank Credit Card has higher base reward value (~1% vs ~0.75%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Tata Neu Plus RuPay vs IDBI Bank Royale Signature Credit Cards – Fees, Lounge, Forex

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

upi 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

Royale Signature IDBI Bank

Annual fee ₹0 Lifetime free
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹1 spend in the calendar quarter

Reward earning explained

Per card

Tata Neu Plus RuPay

1 NeuCoins / ₹100 on General spend

Royale Signature

3 pts / ₹100 on General spend (3 Delight Points for every Rs. 100 spent; exclud…

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 IDBI Bank Royale Signature: ₹0), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

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.

Royale Signature: Limited data
upi HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for UPI usage

HDFC Bank Tata Neu Plus 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 Plus HDFC Bank: ~₹500/month at base rate
IDBI Royale Signature: ~₹380/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Tata Neu Plus RuPay HDFC Bank	Royale Signature IDBI Bank
Lounge Access
Domestic lounge visits	1/quarter	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹250 vs ₹0	₹250	₹0
Joining fee ₹250 vs ₹0	₹250	₹0
Fee waiver spend Only available for Tata Neu Plus HDFC Bank	₹1,00,000	Not specified
Interest-free period Up to 50 days vs Up to 48 days	Up to 50 days	Up to 48 days
Rewards
Points per ₹100 1 pts vs 3 pts	1 pts	3 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25	₹1	₹0.25
Point validity 2 years vs 3 years	2 years	3 years

Notes

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