Side-by-side · honest numbers
AU LIT Credit Card vs Tata Neu Plus HDFC Bank Credit Card
Honest side-by-side comparison of AU LIT Credit Card, Tata Neu Plus HDFC Bank Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
Same spend profile for all cards. How we calculate net annual value
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Spend assumptions
All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.
AU LIT Credit Card
AU Small Finance Bank
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
Your adjusted comparison
| Feature | AU LIT Credit Card AU Small Finance Bank | Tata Neu Plus HDFC Bank Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹220/yr | ₹2,700/yr |
| Online shopping | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | ₹2,000 × 5% = ₹100/mo (₹1,200/yr) · cap reached |
| Top reward rate | 1–2 RP/₹150 | 5% NeuCoins |
| Primary reward cap | No monthly cap published | ₹2,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access | 4 domestic airport lounge visits per year (1/quarter) · Lounge voucher unlocked on ₹50,000 spend per calendar quarter |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹499 |
Stack mode (hold both)
Cap-aware split: ~₹2,940/yr combined NAV (₹240 vs best solo). Both annual fees apply.
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https://cardhungry.com/in/en/compare/au-lit-vs-hdfc-tata-neu-plusReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Tata Neu Plus HDFC Bank Credit Card leads AU LIT Credit Card by about ₹2,480/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | AU LIT Credit Card AU Small Finance Bank | Tata Neu Plus HDFC Bank Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | Lifetime free | ₹499 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend |
| Min income | ₹20,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹220/yr | ₹2,700/yr |
| Online shopping | ₹8,000 → 107 pts/mo × ₹0.25/pt = ₹26.67/mo (₹320/yr) | ₹2,000 × 5% = ₹100/mo (₹1,200/yr) · cap reached |
| Top reward rate | 1–2 RP/₹150 | 5% NeuCoins |
| Primary reward cap | No monthly cap published | ₹2,000 eligible spend/mo |
| Perks & restrictions | ||
| Lounge access | Optional paid feature — typically 1 complimentary airport lounge visit per 90 days · No minimum spend required for lounge access | 4 domestic airport lounge visits per year (1/quarter) · Lounge voucher unlocked on ₹50,000 spend per calendar quarter |
| UPI rewards | Not supported (Visa/MC) | Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs |
| Key exclusions | EMI · Fuel · Rent | EMI · Fuel · Rent · Wallet |
| Bonuses | ||
| Signup bonus | — | ₹499 |
Frequently asked questions
- Which card has the lower annual fee?
- AU LIT Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- Tata Neu Plus HDFC Bank Credit Card leads with an estimated ₹2,700/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- AU LIT Credit Card lists a minimum monthly income of ₹20,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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