Which card has a lower forex fee: HDFC Tata Neu Plus HDFC Bank Credit Card or CRED IndusInd Bank RuPay 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 CRED IndusInd Bank RuPay Credit Card?

HDFC Tata Neu Plus HDFC Bank Credit Card has a lower annual fee (₹250 vs ₹499).

Which card offers better lounge access?

HDFC Tata Neu Plus HDFC Bank Credit Card: 1 per quarter domestic lounge. CRED IndusInd Bank RuPay Credit Card: Lounge access not verified.

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 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.

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

CRED IndusInd Bank RuPay IndusInd Bank

Annual fee ₹499
Forex markup 3.5%
Domestic lounge Lounge access not verified

Reward earning explained

Per card

Tata Neu Plus RuPay

1 NeuCoins / ₹100 · Up to 2 NeuCoins / ₹100 on BigBasket

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 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).

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. No verified lounge entitlement or explicit no-lounge evidence on file.
Rewards Insufficient data

Insufficient data to compare rewards

Available evidence is incomplete: HDFC Bank Tata Neu Plus RuPay conservative base value ~1% per ₹100. IndusInd Bank CRED IndusInd Bank RuPay has no conservative base value for comparison.

Tata Neu Plus RuPay: Limited data
upi Tie

Both cards are similar for UPI usage

Supports UPI via RuPay network.

HDFC Bank Tata Neu Plus RuPay

Confidence: Low (limited information available)

Verify with issuer

IndusInd Bank CRED IndusInd Bank RuPay

Confidence: Low (limited information available)

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
CRED IndusInd Bank RuPay: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Tata Neu Plus RuPay HDFC Bank	CRED IndusInd Bank RuPay IndusInd Bank
Lounge Access
Domestic lounge visits Only available for Tata Neu Plus HDFC Bank	4/year (1 per quarter)	Not specified
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹250 vs ₹499	₹250	₹499
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 Only available for Tata Neu Plus HDFC Bank	Up to 50 days	Not specified
Rewards
Points per ₹100 Only available for Tata Neu Plus HDFC Bank	1 NeuCoins / ₹100	Not specified
Conservative base value Only available for Tata Neu Plus HDFC Bank	~1%	Not specified
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

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.