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?

HDFC Tata Neu Plus HDFC Bank Credit Card has a lower annual fee (₹250 vs ₹499).

Which card offers better lounge access?

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

Which card has a higher base reward rate?

HDFC Tata Neu Plus HDFC Bank Credit Card has higher base reward value (~1% vs ~0.17%).

Pairwise comparison Compare 3+ cards →

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 Rewards 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 ₹250 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarter

SimplySAVE SBI Card

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

Reward earning explained

Per card

Tata Neu Plus RuPay

1 NeuCoins / ₹100 · Up to 2 NeuCoins / ₹100 on BigBasket

Limited data

SimplySAVE

1 pt / ₹150 · Up to 10 pts / ₹150 on Departmental Stores

Limited data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Plus RuPay: ₹250 vs SBI Card SimplySAVE: ₹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 SimplySAVE's ~0.2%.
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.

HDFC Bank Tata Neu Plus RuPay

Confidence: Low (limited information available)

Verify with issuer

SBI Card SimplySAVE

Confidence: Low (limited information available)

Verify with issuer

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 SimplySAVE: ~₹80/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Tata Neu Plus RuPay HDFC Bank	SimplySAVE SBI Card
Lounge Access
Domestic lounge visits 4/year (1 per quarter) vs No complimentary lounge access	4/year (1 per quarter)	No complimentary lounge access
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹250 vs ₹499	₹250	₹499
Joining fee ₹250 vs ₹499	₹250	₹499
Fee waiver spend	₹1,00,000	₹1,00,000
Rewards
Base earn 1 NeuCoins / ₹100 vs 1 pt / ₹150	1 NeuCoins / ₹100	1 pt / ₹150
Conservative base value ~1% vs ~0.2%	~1%	~0.2%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25	₹1	₹0.25

Notes

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.