HDFC Tata Neu Plus vs HSBC Cashback Card
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 | HDFC Bank | HSBC India |
| Card Type | Cashback | Cashback |
| Annual Fee | ₹499 + GST | ₹750 + GST |
| Joining Fee | ₹499 + GST | ₹750 + GST |
| Rewards | 5% NeuCoins on Tata brands, 1.5% on others | 1.5% unlimited cashback on all spends |
| Best For | Tata Ecosystem | Pure Cashback |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | 500 NeuCoins on first txn | ₹750 cashback on first ₹7,500 spend |
| Min Income | ₹15,000/month | ₹25,000/month |
| Lounge Access | None | 2 domestic per year |
| 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 | 4.5 | 4.4 |
| Contactless | ||
| EMI Conversion |
Key Features
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
HSBC Cashback Card
Pure Cashback
Visa • Cashback
- No merchant category restrictions
- Cashback auto-credited to statement
- Global acceptance — accepted in 200+ countries
- Fee waiver on ₹1L annual spend
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: HDFC Tata Neu Plus or HSBC Cashback Card?
HDFC Tata Neu Plus has the higher CardKhoj rating (4.5/5) and is best for tata ecosystem. HSBC Cashback Card is the better fit if your priority is pure cashback. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Tata Neu Plus and HSBC Cashback Card?
HDFC Tata Neu Plus is cheaper to hold at ₹499 + GST, compared with ₹750 + GST for HSBC Cashback Card.
Do HDFC Tata Neu Plus and HSBC Cashback Card offer airport lounge access?
HDFC Tata Neu Plus: no complimentary lounge access. HSBC Cashback Card: 2 domestic per year.
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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