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?

Standard Chartered Smart Card leads with an estimated ₹3,731/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.

Side-by-side · honest numbers

Bajaj Finserv DBS Bank SuperCard vs Tata Neu Plus HDFC Bank Credit Card vs Standard Chartered Smart Card

Honest side-by-side comparison of Bajaj Finserv DBS Bank SuperCard, Tata Neu Plus HDFC Bank Credit Card, Standard Chartered Smart 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, Standard Chartered Smart Card ranks first for estimated net annual value — ahead of Tata Neu Plus HDFC Bank Credit Card by about ₹202/yr.

Bajaj Finserv DBS Bank SuperCard vs Tata Neu Plus HDFC Bank Credit Card vs Standard Chartered Smart Card comparison table
Feature	Bajaj Finserv DBS Bank SuperCard DBS Bank	Tata Neu Plus HDFC Bank Credit Card HDFC Bank	Standard Chartered Smart Card Standard Chartered
Fees & eligibility
Annual fee	₹999	₹499	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹25,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹180/yr	₹3,529/yr	₹3,731/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	5% cashback → ₹100/mo (₹1,200/yr) (cap hit)	2% cashback → ₹200/mo (₹2,400/yr)
Top reward rate	2X reward points	5% NeuCoins	2% cashback
Primary reward cap	No monthly cap published	₹2,000 eligible spend/mo	No monthly cap published
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	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent
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?: Standard Chartered Smart Card leads with an estimated ₹3,731/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.

Card 1

Bajaj Finserv DBS Bank SuperCard

DBS Bank

Card 2

Tata Neu Plus HDFC Bank Credit Card

HDFC Bank

Card 3

Standard Chartered Smart Card

Standard Chartered

Your adjusted comparison

Feature	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	Standard CharteredGold Standard Chartered Smart Card •••• •••• •••• 4242 Quick facts Standard Chartered Smart Card Top reward2% cashback Annual fee₹499 Min income₹30,000/mo Tap to flip back Standard Chartered Smart Card Standard Chartered
Fees & eligibility
Annual fee	₹999	₹499	₹499
Fee waiver threshold	Waived at ₹2,00,000/yr spend	Waived at ₹1,00,000/yr spend	No waiver published
Min income	₹25,000/mo	₹25,000/mo	₹30,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹180/yr	₹3,529/yr	₹3,731/yr
Online shopping	2 pts per ₹150 spend → ₹33/mo (₹400/yr)	5% cashback → ₹100/mo (₹1,200/yr) (cap hit)	2% cashback → ₹200/mo (₹2,400/yr)
Top reward rate	2X reward points	5% NeuCoins	2% cashback
Primary reward cap	No monthly cap published	₹2,000 eligible spend/mo	No monthly cap published
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	Not supported (Visa/MC)
Key exclusions	EMI · Fuel · Rent	EMI · Fuel · Rent · Wallet	EMI · Fuel · Rent
Bonuses
Signup bonus	—	₹499	—

Bajaj Finserv DBS Bank SuperCard details →Tata Neu Plus HDFC Bank Credit Card details →Standard Chartered Smart Card details →

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At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More Bajaj Finserv DBS Bank SuperCard comparisons