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

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?

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 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.

Tata Neu Plus RuPay

Royale Signature

The short answer

Verdict

Pick Tata Neu Plus RuPay for upi.

Head-to-head

Three core metrics

Annual fee

Tata Neu Plus RuPay ₹499 Waivable at ₹1,00,000 spend

Royale Signature ₹0

Royale Signature saves ₹499/yr
Forex markup

Tata Neu Plus RuPay 3.5%

Royale Signature 3.5%
Domestic lounge

Tata Neu Plus RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarter

Royale Signature 4/year (1 per quarter)

Reward earning explained

Per card

Tata Neu Plus RuPay

1 NeuCoins / ₹100 · 2 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

Royale Signature

3 pts / ₹100

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Plus RuPay: ₹499 vs IDBI Bank Royale Signature: ₹0), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per 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

Available evidence is incomplete: HDFC Bank Tata Neu Plus RuPay conservative base value ~1% per ₹100. IDBI Bank Royale Signature is not safely INR-comparable (no usable point value).

Tata Neu Plus RuPay: Strong data Royale Signature: Strong 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.

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: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field	Tata Neu Plus RuPay HDFC Bank	Royale Signature IDBI Bank
Insurance — Air accident cover Only available for IDBI Royale Signature	Not specified	₹25 lakh
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats	4/year (1 per quarter)	4/year (1 per quarter)
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 ₹0	₹499	₹0
Annual-fee waiver 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
Monthly interest rate Only available for IDBI Royale Signature	Not specified	2.5% / month
Late-payment charge Only available for Tata Neu Plus HDFC Bank	₹100–₹1,300 depending on outstanding balance	Not specified
Fuel benefit 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap	1% surcharge waiver · ₹400–₹5,000 transactions
Rewards
Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 1 NeuCoins / ₹100 vs 3 pts / ₹100	1 NeuCoins / ₹100	3 pts / ₹100
Conservative base value ~1% vs Not safely INR-comparable	~1%	Not safely INR-comparable
Earn ceiling 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend vs Not stated	1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 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 Plus HDFC Bank	₹1	Not specified
Point validity 2 years vs 3 years	2 years	3 years

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

IDBI Bank Royale Signature

Verify with issuer