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

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: HDFC UPI RuPay Credit Card or Tata Neu Plus SBI Card?

HDFC UPI RuPay Credit Card has a lower annual fee (₹99 vs ₹499).

Which card offers better lounge access?

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

Which card has a higher base reward rate?

Base reward rates are not fully available for both cards in the current snapshot.

Pairwise comparison Compare 3+ cards →

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

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

Lounge SBI Card Tata Neu Plus

Quick comparison

Three core metrics

UPI RuPay HDFC Bank

Annual fee ₹99 Waivable at ₹25,000 spend
Forex markup 3.5%
Domestic lounge No complimentary lounge access

Tata Neu Plus SBI Card

Annual fee ₹499 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous calendar quarter

Reward earning explained

Per card

UPI RuPay

3% on Dining Grocery Supermarket (domestic) + 1% on General spend

Tata Neu Plus

5 NeuCoins / ₹100 on Tata Neu Select Accelerated (Up to 5% extra on select cate…

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank UPI RuPay: ₹99 vs SBI Card Tata Neu Plus: ₹499), forex markup (3.5% vs 3.5%), or lounge access (No complimentary lounge access vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access SBI Card Tata Neu Plus wins

SBI Card Tata Neu Plus is better for lounge access

SBI Card Tata Neu Plus is stronger here. Domestic lounge access is 1 per quarter.
upi Tie

Both cards are similar for UPI usage

Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

UPI RuPay: ~₹500/month at base rate
Tata Neu Plus SBI Card: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	UPI RuPay HDFC Bank	Tata Neu Plus SBI Card
Lounge Access
Domestic lounge visits No complimentary lounge access vs 1/quarter	No complimentary lounge access	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹99 vs ₹499	₹99	₹499
Joining fee ₹99 vs ₹499	₹99	₹499
Fee waiver spend ₹25,000 vs ₹1,00,000	₹25,000	₹1,00,000
Rewards
Points per ₹100 1% vs 1 pts	1%	1 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Tata Neu Plus SBI Card	Not specified	₹1
Point validity Only available for UPI RuPay	2 years	Not specified

Notes

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