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 IDFC FIRST Bank HPCL Power Plus Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Tata Neu Plus RuPay and the IDFC FIRST Bank HPCL Power Plus. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick Tata Neu Plus RuPay for upi.
Head-to-head
Three core metrics- Annual fee Tata Neu Plus RuPay ₹499 Waivable at ₹1,00,000 spendHPCL Power Plus ₹499 Waivable at ₹1,50,000 spend
- Forex markup Tata Neu Plus RuPay 3.5%HPCL Power Plus 3.5%
- Domestic lounge Tata Neu Plus RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarterHPCL Power Plus 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)
Reward earning explained
Per card1% · Up to 30 pts / ₹150 on HPCL
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 IDFC FIRST Bank HPCL Power Plus: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Tie Both cards are similar for lounge access
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 IDFC FIRST Bank HPCL Power Plus's ~1%. IDFC FIRST Bank HPCL Power Plus conservative base value ~1% vs HDFC Bank Tata Neu Plus RuPay's ~1%.
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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
Example usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Plus HDFC Bank: ~₹500/month at base rate
- IDFC FIRST HPCL Power Plus: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| Field | Tata Neu Plus RuPay HDFC Bank | HPCL Power Plus IDFC FIRST Bank |
|---|---|---|
| Insurance — Personal accident cover Only available for IDFC FIRST HPCL Power Plus | Not specified | ₹2 lakh |
| Insurance — Lost card liability cover Only available for IDFC FIRST HPCL Power Plus | Not specified | ₹25,000 |
| Insurance — Underwriter Only available for IDFC FIRST HPCL Power Plus | Not specified | Insured by New India Assurance |
| 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 | ₹499 |
| Annual-fee waiver ₹1,00,000 vs ₹1,50,000 | ₹1,00,000 | ₹1,50,000 |
| Interest-free period Up to 50 days vs Up to 45 days | Up to 50 days | Up to 45 days |
| Monthly interest rate Only available for IDFC FIRST HPCL Power Plus | Not specified | 3.85% / 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 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 2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend | 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend | 2,400 points per month; at 30 pts / ₹150, this lane reaches the cap at ₹12,000 of eligible spend |
| 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
- IDFC FIRST HPCL Power Plus Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
- 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 siteIDFC FIRST Bank HPCL Power Plus
Verify with issuer , opens external site