HDFC

Tata Neu Infinity HDFC Bank

Mid-tier card · 8/year domestic lounge · fee waiver achievable around ₹3L annual spend · 2% forex markup.

Strong for lounge access (8/year) · Weak for high forex (2%) and low base rewards (~1.3%)

8/year domestic lounge
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Good for

  • Airport lounge users

Not ideal for

  • International spenders
  • Rewards-focused users

Spend context

  • Estimated monthly rewards: ~₹630/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
₹1,499
Lounge
8/year (domestic)
Domestic lounge available; international details not available.
Forex
2%
Not a low-forex card (2%).
Reward rate
5 pts/₹100
Above median base earn (1.3% vs ~1%).

Verified with issuer

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Lounge Access

Domestic visits
8/year
International visits
Not included International details not available.

International Use

Forex markup
2%
Product tier
Mid-tier

Fees

Annual fee
₹1,499
Joining fee
₹1,499
Fee waiver spend
₹3,00,000 Near catalog median waiver (₹3,00,000 vs ₹3,00,000).

Rewards

Points per ₹100
5 pts
Point value
₹0.25
Effective earn
1.3% (at stated point value)

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