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| Feature | RBL Bank IRCTC RBL Bank Credit Card | HDFC Bank Tata Neu Plus HDFC Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | RBL Bank | HDFC Bank |
| Network | Mastercard + RuPay | Visa + RuPay |
| Annual fee | ₹500 + GST per year | ₹499 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹1,00,000 annual spending |
| Base reward rate | 0.5% | 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 | No complimentary airport lounge access recorded | 4 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹25,000/month salaried · ₹59,333/month self-employed |
| Terms verified | 23 Sept 2026 | 13 Sept 2026 |
| Best suited to | Frequent IRCTC rail travellers who also want a UPI-enabled card. | Tata Neu users and UPI spenders who want the ecosystem at a ₹499 fee and can reach the modest annual-fee waiver. |
| Main trade-off | 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. | 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. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
