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 IndusInd Bank CRED IndusInd Bank RuPay Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the HDFC Bank Tata Neu Plus RuPay and the IndusInd Bank CRED IndusInd Bank RuPay. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictNo decisive winner on the core dimensions — the head-to-head below shows where the small differences are.
Head-to-head
Three core metrics- Annual fee Tata Neu Plus RuPay ₹499 Waivable at ₹1,00,000 spendCRED IndusInd Bank RuPay ₹499
- Forex markup Tata Neu Plus RuPay 3.5%CRED IndusInd Bank RuPay 3.5%
- Domestic lounge Tata Neu Plus RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarterCRED IndusInd Bank RuPay Lounge access not verified
Reward earning explained
Per card1% · 5% on eligible cred, uPI, and online
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 IndusInd Bank CRED IndusInd Bank RuPay: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs Lounge access not verified).
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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. No verified lounge entitlement or explicit no-lounge evidence on file.
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Rewards Tie Both cards are similar for rewards
HDFC Bank Tata Neu Plus RuPay conservative base value ~1% vs IndusInd Bank CRED IndusInd Bank RuPay's ~1%. IndusInd Bank CRED IndusInd Bank 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
- CRED IndusInd Bank RuPay: ~₹500/month at base rate
Illustrative only, using current base rates before caps.
| Field | Tata Neu Plus RuPay HDFC Bank | CRED IndusInd Bank RuPay IndusInd Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Only available for Tata Neu Plus HDFC Bank | 4/year (1 per quarter) | Not specified |
| 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 Only available for Tata Neu Plus HDFC Bank | ₹1,00,000 | Not specified |
| Interest-free period Only available for Tata Neu Plus HDFC Bank | Up to 50 days | Not specified |
| Monthly interest rate Only available for CRED IndusInd Bank RuPay | Not specified | 3.95% / 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 · ₹500–₹5,000 transactions | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap | 1% surcharge waiver · ₹500–₹5,000 transactions |
| 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 5,000 points per statement cycle — shared across Cred (domestic), UPI & Online shopping | 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend | 5,000 points per statement cycle — shared across Cred (domestic), UPI & Online shopping |
| 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 Only available for Tata Neu Plus HDFC Bank | 2 years | 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 siteIndusInd Bank CRED IndusInd Bank RuPay
Verify with issuer , opens external site