HDFC Tata Neu Plus vs PNB Rupay Platinum
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 | Punjab National Bank |
| Card Type | Cashback | Entry Level |
| Annual Fee | ₹499 + GST | ₹299 + GST |
| Joining Fee | ₹499 + GST | ₹99 + GST |
| Rewards | 5% NeuCoins on Tata brands, 1.5% on others | 2 reward points per ₹100 on all spends |
| Best For | Tata Ecosystem | Budget Users |
| 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 | ₹25,000 - ₹1,50,000 |
| Welcome Benefit | 500 NeuCoins on first txn | None |
| Min Income | ₹15,000/month | ₹12,000/month |
| Lounge Access | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4.5 | 3.9 |
| 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
PNB Rupay Platinum
Budget Users
RuPay • Entry Level
- RuPay network — works with UPI
- Low annual fee
- Fuel surcharge waiver
- Insurance cover up to ₹2 Lakh
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 PNB Rupay Platinum?
HDFC Tata Neu Plus has the higher CardKhoj rating (4.5/5) and is best for tata ecosystem. PNB Rupay Platinum is the better fit if your priority is budget users. The right choice depends on where you spend most.
Which has the lower annual fee: HDFC Tata Neu Plus and PNB Rupay Platinum?
PNB Rupay Platinum is cheaper to hold at ₹299 + GST, compared with ₹499 + GST for HDFC Tata Neu Plus.
Do HDFC Tata Neu Plus and PNB Rupay Platinum offer airport lounge access?
No. None of these cards include complimentary airport 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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