Compare : Tata Neu Infinity HDFC Bank Credit Card vs Axis Bank ACE Credit Card

1,499 NeuCoins on making the first transaction within 30 days of card issuance

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5% value back as NeuCoins on all the non-EMI spends at Tata Neu & partner Tata brands

1.5% NeuCoins on non-Tata brand and merchant EMI spends

1.5% back as NeuCoins up to 500 NeuCoins per month on all UPI spends via RuPay card variant

Additional 5% NeuCoins on select categories at Tata Neu website/app

1 NeuCoin = Rs. 1

5% cashback on utility bill payments, DTH and mobile recharges via Google Pay

4% cashback on Swiggy, Zomato and Ola

1.5% cashback on all other spends

4 international lounge access via Priority Pass membership & 8 complimentary domestic lounge access per year

4 complimentary airport lounge visits per year, on spending Rs. 50,000 or more in the previous quarter

Up to 10% value back on select Tata Neu spends

Welcome benefits compensate for the joining fee

Up to 1.5% value-back on UPI spends

Redemption value of 1 NeuCoin = Rs. 1

Accelerated cashback of 5% on recharges and utility bills payments - categories that are generally either excluded or come with base savings rate

Base cashback rate of 1.5% without any capping

Zero joining fee on applying via Paisabazaar

Easily achievable annual fee waiver condition, even for low spenders

No reward points on fuel and government spends

No milestone benefits except annual fee waiver

Rewards can only be redeemed on Tata Neu and partner brands

Monthly capping on incremental cashback earnings

Quarterly spend-based condition applicable on complimentary access to domestic airport lounges

People who frequently make purchases from partner Tata brands, travel regularly and want a card with overall benefits

People who want to earn substantial value-back on bill payments & recharges, and also frequently order food online