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 ₹2,700/yr net annual value on moderate spend.

Which card has the lower income requirement?

Tata Neu Plus HDFC Bank Credit Card 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

HDFC Regalia Gold vs Tata Neu Plus HDFC Bank Credit Card

Honest side-by-side comparison of HDFC Regalia Gold, 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

Customize your spend

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

Spend assumptions

All cards use the same monthly spend profile. Saved spends from the quiz or a card page load automatically.

Card 1

HDFC Regalia Gold

HDFC Bank

Card 2

Tata Neu Plus HDFC Bank Credit Card

HDFC Bank

Your adjusted comparison

Feature	HDFC Regalia Gold HDFC Bank	Tata Neu Plus HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹2,500	₹499
Fee waiver threshold	₹4,00,000/yr	Waived at ₹1,00,000/yr spend
Min income	₹50,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹670/yr	₹2,700/yr
Online shopping	—	₹2,000 × 5% = ₹100/mo (₹1,200/yr) · cap reached
Top reward rate	5 RP/₹200	5% NeuCoins
Primary reward cap	₹15,000 eligible spend/mo	₹2,000 eligible spend/mo
Perks & restrictions
Lounge access	Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC	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 · Wallet	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	₹2,500	₹499

Stack mode (hold both)

Holding both may not beat using only the better solo card on this spend.

HDFC Regalia Gold details →Tata Neu Plus HDFC Bank Credit Card details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, Tata Neu Plus HDFC Bank Credit Card leads HDFC Regalia Gold by about ₹3,370/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

HDFC Regalia Gold vs Tata Neu Plus HDFC Bank Credit Card comparison table
Feature	HDFC Regalia Gold HDFC Bank	Tata Neu Plus HDFC Bank Credit Card HDFC Bank
Fees & eligibility
Annual fee	₹2,500	₹499
Fee waiver threshold	₹4,00,000/yr	Waived at ₹1,00,000/yr spend
Min income	₹50,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	-₹670/yr	₹2,700/yr
Online shopping	—	₹2,000 × 5% = ₹100/mo (₹1,200/yr) · cap reached
Top reward rate	5 RP/₹200	5% NeuCoins
Primary reward cap	₹15,000 eligible spend/mo	₹2,000 eligible spend/mo
Perks & restrictions
Lounge access	Up to 2 lounge vouchers/quarter — spend-gated from Jul 2026 · From Jul 2026: ~₹60,000 spend in previous calendar quarter for domestic lounge voucher; SmartBuy milestone path may differ — verify MITC	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 · Wallet	EMI · Fuel · Rent · Wallet
Bonuses
Signup bonus	₹2,500	₹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 ₹2,700/yr net annual value on moderate spend.
Which card has the lower income requirement?: Tata Neu Plus HDFC Bank Credit Card 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

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

More HDFC Regalia Gold comparisons