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?

HDFC MoneyBack+ 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.

Side-by-side · honest numbers

HDFC MoneyBack+ Credit Card vs Tata Neu Plus HDFC Bank Credit Card vs Kotak Royale Signature Credit Card

Honest side-by-side comparison of HDFC MoneyBack+ Credit Card, Tata Neu Plus HDFC Bank Credit Card, Kotak Royale Signature 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 HDFC MoneyBack+ Credit Card by about ₹2,839/yr.

HDFC MoneyBack+ Credit Card vs Tata Neu Plus HDFC Bank Credit Card vs Kotak Royale Signature Credit Card comparison table
Feature	HDFC MoneyBack+ Credit Card HDFC Bank	Tata Neu Plus HDFC Bank Credit Card HDFC Bank	Kotak Royale Signature Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹500	₹499	₹999
Fee waiver threshold	No waiver published	Waived at ₹1,00,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹20,000/mo	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹690/yr	₹3,529/yr	₹140/yr
Online shopping	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)	5% cashback → ₹100/mo (₹1,200/yr) (cap hit)	—
Fuel	—	—	2 pts per ₹150 spend → ₹13/mo (₹160/yr)
Top reward rate	10X points	5% NeuCoins	2X reward points
Primary reward cap	₹2,500 eligible spend/mo	₹2,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Limited domestic lounge visits — verify on issuer site
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 · Rent · Wallet
Bonuses
Signup bonus	₹500	₹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?: HDFC MoneyBack+ 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.

Customize your spend

Change spend profile or swap cards — results update live below.

Card 1

HDFC MoneyBack+ Credit Card

HDFC Bank

Card 2

Tata Neu Plus HDFC Bank Credit Card

HDFC Bank

Card 3

Kotak Royale Signature Credit Card

Kotak Mahindra Bank

Your adjusted comparison

Feature	HDFC BankClassic HDFC MoneyBack+ Credit Card •••• •••• •••• 4242 Quick facts HDFC MoneyBack+ Credit Card Top reward10X points Annual fee₹500 Min income₹20,000/mo Tap to flip back HDFC MoneyBack+ 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	Kotak Mahindra BankSignature Kotak Royale Signature Credit Card •••• •••• •••• 4242 Quick facts Kotak Royale Signature Credit Card Top reward2X reward points Annual fee₹999 Min income₹25,000/mo Tap to flip back Kotak Royale Signature Credit Card Kotak Mahindra Bank
Fees & eligibility
Annual fee	₹500	₹499	₹999
Fee waiver threshold	No waiver published	Waived at ₹1,00,000/yr spend	Waived at ₹1,00,000/yr spend
Min income	₹20,000/mo	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard	Standard
Rewards
Net annual value (moderate)	₹690/yr	₹3,529/yr	₹140/yr
Online shopping	10 pts per ₹150 spend → ₹42/mo (₹500/yr) (cap hit)	5% cashback → ₹100/mo (₹1,200/yr) (cap hit)	—
Fuel	—	—	2 pts per ₹150 spend → ₹13/mo (₹160/yr)
Top reward rate	10X points	5% NeuCoins	2X reward points
Primary reward cap	₹2,500 eligible spend/mo	₹2,000 eligible spend/mo	No monthly cap published
Perks & restrictions
Lounge access	None	None	Limited domestic lounge visits — verify on issuer site
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 · Rent · Wallet
Bonuses
Signup bonus	₹500	₹499	—

HDFC MoneyBack+ Credit Card details →Tata Neu Plus HDFC Bank Credit Card details →Kotak Royale Signature Credit Card details →

Share this comparison

https://cardhungry.com/in/en/compare/hdfc-moneyback-plus-vs-hdfc-tata-neu-plus-vs-kotak-royale

At a glance (moderate spend)

Frequently asked questions

Customize your spend

Your adjusted comparison

More HDFC MoneyBack+ Credit Card comparisons