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

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 Card PULSE?

HDFC Tata Neu Plus HDFC Bank Credit Card has a lower annual fee (₹499 annual fee vs ₹1,499 annual fee).

Which card offers better lounge access?

HDFC Tata Neu Plus HDFC Bank Credit Card: 1 per quarter domestic lounge. SBI Card PULSE: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

HDFC Tata Neu Plus HDFC Bank Credit Card has higher conservative base reward value (~1% vs ~0.5%).

Pairwise comparison Compare 3+ cards →

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

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

Tata Neu Plus RuPay

PULSE

The short answer

Verdict

Pick Tata Neu Plus RuPay for rewards and upi.

Head-to-head

Three core metrics

Annual fee

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

PULSE ₹1,499 Waivable at ₹2,00,000 spend

Tata Neu Plus RuPay saves ₹1,000/yr
Forex markup

Tata Neu Plus RuPay 3.5%

PULSE 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

PULSE 4/year (1 per quarter)

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

PULSE

2 pts / ₹100 · 10 points/₹100 on eligible dining, movies, and health Pharmacy Sports Dining Movies

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 PULSE: ₹1,499), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs 4/year (1 per quarter)).

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.
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 PULSE's ~0.5%.
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 PULSE: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Tata Neu Plus RuPay HDFC Bank	PULSE SBI Card
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	No international lounge access	No international lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Recurring annual fee ₹499 vs ₹1,499	₹499	₹1,499
Annual-fee waiver ₹1,00,000 vs ₹2,00,000	₹1,00,000	₹2,00,000
Monthly interest rate Only available for SBI PULSE	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 2 pts / ₹100	1 NeuCoins / ₹100	2 pts / ₹100
Conservative base value ~1% vs ~0.5%	~1%	~0.5%
Earn ceiling 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend vs 7,500 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend	1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend	7,500 points per calendar month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 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 PULSE

Verify with issuer