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

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

Tata Neu Plus RuPay
SimplyCLICK RuPay

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
    SimplyCLICK RuPay ₹499 Waivable at ₹1,00,000 spend
  • Forex markup
    Tata Neu Plus RuPay 3.5%
    SimplyCLICK 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 quarter
    SimplyCLICK RuPay 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
SimplyCLICK RuPay

1 pt / ₹100 · Up to 10 pts / ₹100 on online spend

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 SimplyCLICK RuPay: ₹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 Insufficient data

    Insufficient data to compare rewards

    Available evidence is incomplete: HDFC Bank Tata Neu Plus RuPay conservative base value ~1% per ₹100. SBI Card SimplyCLICK RuPay is not safely INR-comparable (no usable point value).

    Tata Neu Plus RuPay: Strong data SimplyCLICK RuPay: Strong data
  • upi Tie

    Both cards are similar for UPI usage

    Supports UPI via RuPay network.

View HDFC Bank Tata Neu Plus RuPay → View SBI Card SimplyCLICK RuPay → See more rankings →

All fields

Example usage at this monthly spend

At ₹50k/month spend:

  • Tata Neu Plus HDFC Bank: ~₹500/month at base rate
  • SBI SimplyCLICK RuPay: Base earn not clearly specified

Illustrative only, using current base rates before caps.

Field Tata Neu Plus RuPay HDFC Bank SimplyCLICK RuPay 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 SimplyCLICK RuPay
 Not specified 3.75% / month
Late-payment charge
₹100–₹1,300 depending on outstanding balance vs ₹100–₹1,100 depending on outstanding balance
 ₹100–₹1,300 depending on outstanding balance ₹100–₹1,100 depending on outstanding balance
Fuel benefit
1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap vs Surcharge waiver available · ₹500–₹3,000 transactions · ₹100/month waiver cap
 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap Surcharge waiver available · ₹500–₹3,000 transactions · ₹100/month waiver cap
Rewards
Points per ₹100
1 NeuCoins / ₹100 vs 1 pt / ₹100
 1 NeuCoins / ₹100 1 pt / ₹100
Conservative base value
~1% vs Not safely INR-comparable
 ~1% Not safely INR-comparable
Earn ceiling
1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend vs 10,000 points per calendar month; at 5 pts / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend
 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend 10,000 points per calendar month; at 5 pts / ₹100, this lane reaches the cap at ₹2,00,000 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.

Related comparisons

Next useful checks

HDFC Bank Tata Neu Plus RuPay

Verify with issuer , opens external site

SBI Card SimplyCLICK RuPay

Verify with issuer , opens external site
Data refreshed through 3 Sept 2026 moneymatters.cards Current Money Matters snapshot
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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