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| Feature | HDFC Bank Tata Neu Infinity HDFC Bank Credit Card | RBL Bank IRCTC RBL Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | RBL Bank |
| Network | RuPay | Mastercard + RuPay |
| Annual fee | ₹1,499 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹3,00,000 annual spending | No waiver recorded |
| Base reward rate | 1.5% | 0.5% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Combined UPI NeuCoins: ₹500/month · Grocery NeuCoins: ₹2,000/month · Utility NeuCoins: ₹2,000/month · Insurance NeuCoins: ₹2,000/month | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year | No complimentary airport lounge access recorded |
| Forex markup | 2% | 3.5% |
| Monthly income requirement | Approx. ₹1,00,000/month salaried · ₹1,00,000/month self-employed | Not listed |
| Terms verified | 14 Sept 2026 | 23 Sept 2026 |
| Best suited to | UPI enthusiasts who want cashback on QR scans + BigBasket/Croma shoppers. | Frequent IRCTC rail travellers who also want a UPI-enabled card. |
| Main trade-off | UPI rewards share a 500-NeuCoin monthly cap. Grocery, utility, telecom/cable and insurance each have a 2,000-NeuCoin monthly cap; NeuPass exclusions vary by Tata brand. | Railway lounges are not airport lounges. Each accelerated channel has a 1,000-point billing-cycle cap, broad categories are excluded, and offline RuPay UPI purchases below ₹2,000 at small merchants do not earn points. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
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