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

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

Which card offers better lounge access?

HDFC Tata Neu Plus HDFC Bank Credit Card: 4/year domestic lounge. SBI SimplySAVE Credit Card: No domestic lounge.

Which card has a higher base reward rate?

HDFC Tata Neu Plus HDFC Bank Credit Card has higher base reward value (~0.25% vs ~0.17%).

Pairwise comparison Add another card →

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

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

Lounge HDFC Bank Tata Neu Plus RuPay upi HDFC Bank Tata Neu Plus RuPay

Quick comparison

Three core metrics

Tata Neu Plus RuPay HDFC Bank

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year

SimplySAVE SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge No lounge access

Reward earning explained

Per card

Tata Neu Plus RuPay

1 pts / ₹100 on General spend

SimplySAVE

1 pts / ₹150 on General spend

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 SimplySAVE: ₹499), forex markup (3.5% vs 3.5%), or lounge access (4/year vs No lounge access).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.

Tata Neu Plus RuPay: Limited data SimplySAVE: Limited data
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 4/year.

Tata Neu Plus RuPay: Limited data SimplySAVE: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹499.

Tata Neu Plus RuPay: Limited data SimplySAVE: Limited data
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.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Plus HDFC Bank: ~₹130/month at base rate
SBI SimplySAVE: ~₹80/month at base rate

Illustrative only, using current base rates before caps.

Field	Tata Neu Plus RuPay HDFC Bank	SimplySAVE SBI Card
Lounge Access
Domestic lounge visits 4/year vs No lounge access	4/year	No lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee	₹499	₹499
Joining fee	₹499	₹499
Fee waiver spend	₹1,00,000	₹1,00,000
Rewards
Reward points (base spend) 1 pts/₹100 vs 1 pts/₹150	1 pts/₹100	1 pts/₹150
Point cash value	₹0.25	₹0.25

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.