Side-by-side · honest numbers
HDFC Bharat Cashback Credit Card vs Tata Neu Plus HDFC Bank Credit Card vs IndusInd Bank Avios Visa Infinite Credit Card
Honest side-by-side comparison of HDFC Bharat Cashback Credit Card, Tata Neu Plus HDFC Bank Credit Card, IndusInd Bank Avios Visa Infinite 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, HDFC Bharat Cashback Credit Card ranks first for estimated net annual value — ahead of Tata Neu Plus HDFC Bank Credit Card by about ₹1,901/yr.
| Feature | HDFC Bharat Cashback Credit Card HDFC Bank | Tata Neu Plus HDFC Bank Credit Card HDFC Bank | IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹10,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,430/yr | ₹3,529/yr | -₹8,536/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — |
| Fuel | 5% cashback → ₹200/mo (₹2,400/yr) | — | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5% cashback | 5% NeuCoins | 5X Avios points |
| Primary reward cap | ₹250 rewards/mo cap | ₹2,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | 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 · Rent · Wallet loads · Insurance | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹499 | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bharat Cashback Credit Card has a ₹0 annual fee (lifetime free or zero-fee tier).
- Which card earns more on moderate spend?
- HDFC Bharat Cashback Credit Card leads with an estimated ₹5,430/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bharat Cashback Credit Card lists a minimum monthly income of ₹15,000.
- 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.
HDFC Bharat Cashback Credit Card
HDFC Bank
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
IndusInd Bank Avios Visa Infinite Credit Card
IndusInd Bank
Your adjusted comparison
| Feature | HDFC BankClassic HDFC Bharat Cashback Credit Card •••• •••• •••• 4242 Quick facts HDFC Bharat Cashback Credit Card Top reward5% cashback Annual feeLifetime Free Min income₹15,000/mo Tap to flip back HDFC Bharat Cashback Credit Card HDFC 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 | IndusInd BankInfinite IndusInd Bank Avios Visa Infinite Credit Card •••• •••• •••• 4242 Quick facts IndusInd Bank Avios Visa Infinite Credit Card Top reward5X Avios points Annual fee₹10,000 Min income₹75,000/mo Tap to flip back IndusInd Bank Avios Visa Infinite Credit Card IndusInd Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | Lifetime free | ₹499 | ₹10,000 |
| Fee waiver threshold | Lifetime free | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹15,000/mo | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹5,430/yr | ₹3,529/yr | -₹8,536/yr |
| Online shopping | — | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — |
| Fuel | 5% cashback → ₹200/mo (₹2,400/yr) | — | — |
| Travel | — | — | 5 pts per ₹150 spend → ₹50/mo (₹600/yr) |
| Top reward rate | 5% cashback | 5% NeuCoins | 5X Avios points |
| Primary reward cap | ₹250 rewards/mo cap | ₹2,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | None | Unlimited lounge access · No minimum spend required for lounge access |
| UPI rewards | Earns: 5% cashback on select categories; 1% on other spends · cap ₹250/month fuel cashback cap | 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 · Rent · Wallet loads · Insurance | EMI · Fuel · Rent · Wallet | EMI · Fuel · Rent · Wallet |
| Bonuses | |||
| Signup bonus | — | ₹499 | — |
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-bharat-vs-hdfc-tata-neu-plus-vs-indusind-aviosMore HDFC Bharat Cashback Credit Card comparisons
- HDFC Bharat Cashback Credit Card vs 811 Dream Different Credit Card
- HDFC Bharat Cashback Credit Card vs AU Altura Credit Card
- HDFC Bharat Cashback Credit Card vs AU Zenith Credit Card
- HDFC Bharat Cashback Credit Card vs American Express Gold Card
- HDFC Bharat Cashback Credit Card vs American Express Platinum Travel Card
- HDFC Bharat Cashback Credit Card vs American Express SmartEarn Credit Card
- HDFC Bharat Cashback Credit Card vs Amex Membership Rewards CC
- HDFC Bharat Cashback Credit Card vs Axis Bank ACE Credit Card
- HDFC Bharat Cashback Credit Card vs Axis Bank Airtel Credit Card
- HDFC Bharat Cashback Credit Card vs Axis Bank Atlas Credit Card
- HDFC Bharat Cashback Credit Card vs Axis Bank Flipkart Credit Card
- HDFC Bharat Cashback Credit Card vs Axis Bank Magnus Credit Card