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| Feature | HDFC Bank Tata Neu Plus HDFC Bank Credit Card | AU Small Finance Bank AU Bank Spont Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | AU Small Finance Bank |
| Network | Visa + RuPay | RuPay |
| Annual fee | ₹499 + GST per year | ₹299 + GST per year |
| Annual fee waiver | At ₹1,00,000 annual spending | No waiver recorded |
| Base reward rate | 1% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 4 domestic airport lounge visits per year | 8 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹25,000/month salaried · ₹59,333/month self-employed | Not listed |
| Terms verified | 13 Sept 2026 | 24 Sept 2026 |
| Best suited to | Tata Neu users and UPI spenders who want the ecosystem at a ₹499 fee and can reach the modest annual-fee waiver. | UPI-first users who can spend ₹20,000 per quarter and value occasional airport lounge visits. |
| Main trade-off | UPI NeuCoins are capped at 500 monthly, several categories do not earn, and the additional 5% comes from NeuPass rather than the bank card reward. Lounge access requires quarterly spend. | Airport lounge access needs ₹50,000 in the previous calendar quarter, not ₹20,000. UPI cashback applies to merchant payments; AU0101 COINS have no stable cash value and are not ranked. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
