BoB Select vs HDFC Tata Neu Plus
Side-by-side credit card comparison to help you choose the best one.
HDFC Tata Neu Plus
Why this card wins: Tata Ecosystem — 5% NeuCoins on Tata brands, 1.5% on others
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | HDFC Bank |
| Card Type | Entry Level | Cashback |
| Annual Fee | ₹499 + GST | ₹499 + GST |
| Joining Fee | ₹499 + GST | ₹499 + GST |
| Rewards | 2 reward points per ₹100 spent | 5% NeuCoins on Tata brands, 1.5% on others |
| Best For | Everyday Spending | Tata Ecosystem |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 500 reward points on first spend | 500 NeuCoins on first txn |
| Min Income | ₹15,000/month | ₹15,000/month |
| Lounge Access | 2 domestic per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4 | 4.5 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
HDFC Tata Neu Plus
Tata Ecosystem
RuPay • Cashback
- 5% NeuCoins on Tata Neu, BigBasket, 1mg
- 1.5% NeuCoins on all other spends
- Fee waiver on ₹50,000 annual spend
- Complimentary Zomato Gold for 3 months
Verdict
Based on rating and overall value, HDFC Tata Neu Plus ranks highest among your selected cards. It excels at Tata Ecosystem and offers 5% NeuCoins on Tata brands, 1.5% on others.
Frequently asked questions
Which is better: BoB Select or HDFC Tata Neu Plus?
HDFC Tata Neu Plus has the higher CardKhoj rating (4.5/5) and is best for tata ecosystem. BoB Select is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and HDFC Tata Neu Plus?
They have the same annual fee: ₹499 + GST.
Do BoB Select and HDFC Tata Neu Plus offer airport lounge access?
BoB Select: 2 domestic per year. HDFC Tata Neu Plus: no complimentary lounge access.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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