HDFC
Tata Neu Plus HDFC Bank
Entry-level card · 4/year domestic lounge · fee waiver achievable around ₹1L annual spend · 2% forex markup.
Strong for lounge access (4/year) · Weak for high forex (2%) and low base rewards (~0.3%)
Good for
- Airport lounge users
Not ideal for
- International spenders
- Rewards-focused users
Spend context
- Estimated monthly rewards: ~₹130/month (base rewards)
- Fee waiver achievable at this spend
- Forex cost ~₹1,000 per ₹50k international spend
Approximate, based on base rates and current snapshot.
Annual fee
₹499
Lounge
4/year (domestic)
Domestic lounge available; international details not available.
Forex
2%
Limited support — verify with issuer
Reward rate
1 pts/₹100
Below median base earn (0.3% vs ~1%).
Verified with issuer
View official source (opens in new tab)Lounge Access
- Domestic visits
- 4/year
- International visits
- Not included International details not available.
International Use
- Forex markup
- 2%
- Product tier
- Entry-level
Fees
- Annual fee
- ₹499
- Joining fee
- ₹499
- Fee waiver spend
- ₹1,00,000 Below catalog median waiver (₹3,00,000 vs ₹1,00,000).
Rewards
- Points per ₹100
- 1 pts
- Point value
- ₹0.25
- Effective earn
- 0.3% (at stated point value)
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