Which card has a lower forex fee: HDFC Tata Neu Plus HDFC Bank Credit Card or PhonePe SBI PURPLE 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 PhonePe SBI PURPLE 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. PhonePe SBI PURPLE Credit Card: No complimentary lounge access.

Which card has a higher base reward rate?

Both cards have similar conservative base reward value (~1%).

Pairwise comparison Compare 3+ cards →

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

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

Tata Neu Plus RuPay

PhonePe SBI PURPLE

The short answer

Verdict

Pick Tata Neu Plus RuPay for lounge access.

Head-to-head

Three core metrics

Annual fee

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

PhonePe SBI PURPLE ₹499 Waivable at ₹1,00,000 spend
Forex markup

Tata Neu Plus RuPay 3.5%

PhonePe SBI PURPLE 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

PhonePe SBI PURPLE 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

PhonePe SBI PURPLE

1 pt / ₹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 SBI Card PhonePe SBI PURPLE: ₹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 Tie

Both cards are similar for rewards

HDFC Bank Tata Neu Plus RuPay conservative base value ~1% vs SBI Card PhonePe SBI PURPLE's ~1%. SBI Card PhonePe SBI PURPLE conservative base value ~1% vs HDFC Bank Tata Neu Plus RuPay's ~1%.
upi Tie

Both cards are similar for UPI usage

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
PhonePe SBI PURPLE: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Tata Neu Plus RuPay HDFC Bank	PhonePe SBI PURPLE 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 PhonePe SBI PURPLE	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 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap vs 1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded	1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap	1% surcharge waiver · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded
Rewards
Points per ₹100 Some reward lanes are unsupported — base rate only for comparison. 1 NeuCoins / ₹100 vs 1 pt / ₹100	1 NeuCoins / ₹100	1 pt / ₹100
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 750 points per month; at 3 pts / ₹100, this lane reaches the cap at ₹25,000 of eligible spend	1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend	750 points per month; at 3 pts / ₹100, this lane reaches the cap at ₹25,000 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
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 PhonePe SBI PURPLE

Verify with issuer