Which card has a lower forex fee: HDFC Tata Neu Plus HDFC Bank Credit Card or SBI BPCL 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 SBI BPCL Credit Card?

Both cards have the same annual fee (₹499 annual fee).

Which card offers better lounge access?

HDFC Tata Neu Plus HDFC Bank Credit Card: 1 per quarter domestic lounge. SBI BPCL Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

HDFC Tata Neu Plus HDFC Bank Credit Card has higher conservative base reward value (~1% vs ~0.25%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Tata Neu Plus RuPay vs SBI Card BPCL Credit Cards – Fees, Lounge, Forex

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

Tata Neu Plus RuPay

BPCL

The short answer

Verdict

Pick Tata Neu Plus RuPay for lounge access, rewards and upi.

Head-to-head

Three core metrics

Annual fee

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

BPCL ₹499 Waivable at ₹1,00,000 spend
Forex markup

Tata Neu Plus RuPay 3.5%

BPCL 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

BPCL No complimentary lounge access

Tata Neu Plus RuPay: +4 lounge visits/yr

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

BPCL

1 pt / ₹100 · Up to 13 pts / ₹100 on BPCL

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 SBI Card BPCL: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for lounge access

HDFC Bank Tata Neu Plus RuPay is stronger here. Domestic lounge access is 1 per quarter.
Rewards HDFC Bank Tata Neu Plus RuPay wins

HDFC Bank Tata Neu Plus RuPay is better for rewards

HDFC Bank Tata Neu Plus RuPay is stronger here. HDFC Bank Tata Neu Plus RuPay conservative base value ~1% vs SBI Card BPCL's ~0.3%.
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
SBI BPCL: ~₹130/month at base rate

Illustrative only, using current base rates before caps.

Field	Tata Neu Plus RuPay HDFC Bank	BPCL SBI Card
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access	4/year (1 per quarter)	No complimentary lounge access
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	₹1,00,000
Monthly interest rate Only available for SBI BPCL	Not specified	3.75% / month
Late-payment charge Only available for Tata Neu Plus HDFC Bank	₹100–₹1,300 depending on outstanding balance	Not specified
Fuel benefit Only available for Tata Neu Plus HDFC Bank	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap	Not specified
Rewards
Points per ₹100 1 NeuCoins / ₹100 vs 1 pt / ₹100	1 NeuCoins / ₹100	1 pt / ₹100
Conservative base value ~1% vs ~0.3%	~1%	~0.3%
Earn ceiling 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend vs 1,300 points per month; at 13 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend	1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend	1,300 points per month; at 13 pts / ₹100, this lane reaches the cap at ₹10,000 of eligible spend
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 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

SBI Card BPCL

Verify with issuer