HDFC Tata Neu Plus vs ICICI Sapphiro
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 | ICICI Bank |
| Card Type | Cashback | Premium |
| Annual Fee | ₹499 + GST | ₹3,500 + GST |
| Joining Fee | ₹499 + GST | ₹3,500 + GST |
| Rewards | 5% NeuCoins on Tata brands, 1.5% on others | 2-4 PAYBACK points per ₹100 |
| Best For | Tata Ecosystem | Travel & Lifestyle |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.40% per month (40.80% p.a.) |
| Credit Limit | ₹50,000 - ₹5,00,000 | ₹3,00,000 - ₹10,00,000 |
| Welcome Benefit | 500 NeuCoins on first txn | Vouchers worth ₹9,000+ |
| Min Income | ₹15,000/month | ₹50,000/month |
| Lounge Access | None | 16 domestic + 4 international 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 | ₹500 + GST |
| 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
ICICI Sapphiro
Travel & Lifestyle
Visa • Premium
- Buy 1 Get 1 Free on movie tickets (BookMyShow)
- Dreamfolks Membership for lounges
- 4 domestic lounge visits per quarter
- Welcome vouchers worth ₹9000+
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 ICICI Sapphiro?
HDFC Tata Neu Plus has the higher CardKhoj rating (4.5/5) and is best for tata ecosystem. ICICI Sapphiro is the better fit if your priority is travel & lifestyle. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Tata Neu Plus and ICICI Sapphiro?
HDFC Tata Neu Plus is cheaper to hold at ₹499 + GST, compared with ₹3,500 + GST for ICICI Sapphiro.
Do HDFC Tata Neu Plus and ICICI Sapphiro offer airport lounge access?
HDFC Tata Neu Plus: no complimentary lounge access. ICICI Sapphiro: 16 domestic + 4 international 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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