SC DigiSmart vs Canara RuPay Select vs HDFC Tata Neu Plus
Side-by-side credit card comparison to help you choose the best one.
Our Pick
HDFC Tata Neu Plus
4.5
Why this card wins: Tata Ecosystem — 5% NeuCoins on Tata brands, 1.5% on others
| Feature | SC DigiSmart | Canara RuPay Select | HDFC Tata Neu Plus |
|---|---|---|---|
| Bank | Standard Chartered | Canara Bank | HDFC Bank |
| Card Type | Cashback | Entry Level | Cashback |
| Annual Fee | Lifetime Free | ₹500 + GST | ₹499 + GST |
| Joining Fee | Nil | ₹500 + GST | ₹499 + GST |
| Rewards | 5% cashback on Flipkart, Myntra, Swiggy, Zomato | 1 reward point per ₹100 spent | 5% NeuCoins on Tata brands, 1.5% on others |
| Best For | Online Shopping | Budget Users | Tata Ecosystem |
| Interest Rate | 3.49% per month (41.88% p.a.) | 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 - ₹2,00,000 | ₹50,000 - ₹5,00,000 |
| Welcome Benefit | None | None | 500 NeuCoins on first txn |
| Min Income | ₹20,000/month | ₹12,000/month | ₹15,000/month |
| Lounge Access | None | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹400-₹4,000 txns | 1% waiver on ₹400-₹5,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free | Free |
| Rating | 4.3 | 3.8 | 4.5 |
| Contactless | |||
| EMI Conversion |
Key Features
SC DigiSmart
Online Shopping
Mastercard • Cashback
- No annual fee ever
- 5% cashback on top online brands
- 1% cashback on all other spends
- Smart EMI on purchases above ₹2,500
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
Our Pick
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.