1 NeuCoins / ₹100 · 2 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
Strong data Pairwise comparison
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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.
The short answer
VerdictPick Tata Neu Plus RuPay for lounge access, rewards and upi.
Head-to-head
Three core metrics- Annual fee Tata Neu Plus RuPay ₹499 Waivable at ₹1,00,000 spendSimplySAVE ₹499 Waivable at ₹1,00,000 spend
- Forex markup Tata Neu Plus RuPay 3.5%SimplySAVE 3.5%
- Domestic lounge Tata Neu Plus RuPay: +4 lounge visits/yrTata Neu Plus RuPay 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the calendar quarterSimplySAVE No complimentary lounge access
Reward earning explained
Per card1 pt / ₹150 · 10 pts / ₹150 on eligible departmental Stores, dining, grocery, and movies
Strong dataPick based on what matters
4 dimensionsStart 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 (1 per quarter) vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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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.
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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%.
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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
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.
| Field | Tata Neu Plus RuPay HDFC Bank | SimplySAVE 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 SimplySAVE | Not specified | 3.75% / month |
| Late-payment charge ₹100–₹1,300 depending on outstanding balance vs ₹400–₹1,100 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance | ₹400–₹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 · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap | Surcharge waiver available · ₹500–₹3,000 transactions · ₹100/month waiver cap · Fuel rewards excluded |
| 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% |
| Earn ceiling 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend vs 5,000 points per month — shared across Departmental Stores, Dining, Grocery & Movies | 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend | 5,000 points per month — shared across Departmental Stores, Dining, Grocery & Movies |
| 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 , opens external siteSBI Card SimplySAVE
Verify with issuer , opens external site