Side-by-side · honest numbers
AU Zenith Credit Card vs Bajaj Finserv DBS Bank SuperCard vs Tata Neu Plus HDFC Bank Credit Card
Honest side-by-side comparison of AU Zenith Credit Card, Bajaj Finserv DBS Bank SuperCard, Tata Neu Plus HDFC Bank Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
At a glance (moderate spend)
Quick verdict: On moderate spend, Tata Neu Plus HDFC Bank Credit Card ranks first for estimated net annual value — ahead of Bajaj Finserv DBS Bank SuperCard by about ₹3,349/yr.
| Feature | AU Zenith Credit Card AU Small Finance Bank | Bajaj Finserv DBS Bank SuperCard DBS Bank | Tata Neu Plus HDFC Bank Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹999 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹75,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹180/yr | ₹3,529/yr |
| Online shopping | — | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 3X points/₹150 | 2X reward points | 5% NeuCoins |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹2,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | None | None |
| UPI rewards | Not supported (Visa/MC) | 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 | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹499 |
Frequently asked questions
- Which card has the lower annual fee?
- Tata Neu Plus HDFC Bank Credit Card has the lowest annual fee at ₹499.
- Which card earns more on moderate spend?
- Tata Neu Plus HDFC Bank Credit Card leads with an estimated ₹3,529/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- Bajaj Finserv DBS Bank SuperCard lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
Customize your spend
Change spend profile or swap cards — results update live below.
AU Zenith Credit Card
AU Small Finance Bank
Bajaj Finserv DBS Bank SuperCard
DBS Bank
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
Your adjusted comparison
| Feature | AU Small Finance BankPlatinum AU Zenith Credit Card •••• •••• •••• 4242 Quick facts AU Zenith Credit Card Top reward3X points/₹150 Annual fee₹7,999 Min income₹75,000/mo Tap to flip back AU Zenith Credit Card AU Small Finance Bank | DBS BankGold Bajaj Finserv DBS Bank SuperCard •••• •••• •••• 4242 Quick facts Bajaj Finserv DBS Bank SuperCard Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Bajaj Finserv DBS Bank SuperCard DBS Bank | HDFC BankGold Tata Neu Plus HDFC Bank Credit Card •••• •••• •••• 4242 Quick facts Tata Neu Plus HDFC Bank Credit Card Top reward5% NeuCoins Annual fee₹499 Min income₹25,000/mo Tap to flip back Tata Neu Plus HDFC Bank Credit Card HDFC Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹7,999 | ₹999 | ₹499 |
| Fee waiver threshold | No waiver published | Waived at ₹2,00,000/yr spend | Waived at ₹1,00,000/yr spend |
| Min income | ₹75,000/mo | ₹25,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | -₹6,737/yr | ₹180/yr | ₹3,529/yr |
| Online shopping | — | 2 pts per ₹150 spend → ₹33/mo (₹400/yr) | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) |
| Travel | 3 pts per ₹150 spend → ₹50/mo (₹600/yr) | — | — |
| Top reward rate | 3X points/₹150 | 2X reward points | 5% NeuCoins |
| Primary reward cap | No monthly cap published | No monthly cap published | ₹2,000 eligible spend/mo |
| Perks & restrictions | |||
| Lounge access | Unlimited domestic lounge access · Premium AU tier — no spend milestone stated for lounge in public benefits | None | None |
| UPI rewards | Not supported (Visa/MC) | 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 | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | — | ₹499 |
Share this comparison
https://cardhungry.com/in/en/compare/au-zenith-vs-bajaj-dbs-supercard-vs-hdfc-tata-neu-plusMore AU Zenith Credit Card comparisons
- AU Zenith Credit Card vs 811 Dream Different Credit Card
- AU Zenith Credit Card vs AU Altura Credit Card
- AU Zenith Credit Card vs American Express Gold Card
- AU Zenith Credit Card vs American Express Platinum Travel Card
- AU Zenith Credit Card vs American Express SmartEarn Credit Card
- AU Zenith Credit Card vs Amex Membership Rewards CC
- AU Zenith Credit Card vs Axis Bank ACE Credit Card
- AU Zenith Credit Card vs Axis Bank Airtel Credit Card
- AU Zenith Credit Card vs Axis Bank Atlas Credit Card
- AU Zenith Credit Card vs Axis Bank Flipkart Credit Card
- AU Zenith Credit Card vs Axis Bank Magnus Credit Card
- AU Zenith Credit Card vs Axis Bank My Zone Credit Card