Side-by-side · honest numbers
Tata Neu Plus HDFC Bank Credit Card vs ICICI Sapphiro Credit Card
Honest side-by-side comparison of Tata Neu Plus HDFC Bank Credit Card, ICICI Sapphiro 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.
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
ICICI Sapphiro Credit Card
ICICI Bank
Your adjusted comparison
| Feature | Tata Neu Plus HDFC Bank Credit Card HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹3,500 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,700/yr | -₹1,862/yr |
| Online shopping | ₹2,000 × 5% = ₹100/mo (₹1,200/yr) · cap reached | — |
| Top reward rate | 5% NeuCoins | 4 RP/₹100 |
| Primary reward cap | ₹2,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year (1/quarter) · Lounge voucher unlocked on ₹50,000 spend per calendar quarter | Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year |
| UPI rewards | 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 · Wallet | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹499 | ₹4,000 |
Stack mode (hold both)
Holding both may not beat using only the better solo card on this spend.
Share this comparison
https://cardhungry.com/in/en/compare/hdfc-tata-neu-plus-vs-icici-sapphiroReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, Tata Neu Plus HDFC Bank Credit Card leads ICICI Sapphiro Credit Card by about ₹4,562/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
| Feature | Tata Neu Plus HDFC Bank Credit Card HDFC Bank | ICICI Sapphiro Credit Card ICICI Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹499 | ₹3,500 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹75,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | ₹2,700/yr | -₹1,862/yr |
| Online shopping | ₹2,000 × 5% = ₹100/mo (₹1,200/yr) · cap reached | — |
| Top reward rate | 5% NeuCoins | 4 RP/₹100 |
| Primary reward cap | ₹2,000 eligible spend/mo | No monthly cap published |
| Perks & restrictions | ||
| Lounge access | 4 domestic airport lounge visits per year (1/quarter) · Lounge voucher unlocked on ₹50,000 spend per calendar quarter | Domestic (4/quarter) + 2 international/year · Domestic airport lounge gated on ₹75,000 spend in the previous calendar quarter; 2 international visits/year |
| UPI rewards | 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 · Wallet | EMI · Fuel · Rent |
| Bonuses | ||
| Signup bonus | ₹499 | ₹4,000 |
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.
More Tata Neu Plus HDFC Bank Credit Card comparisons
- Tata Neu Plus HDFC Bank Credit Card vs 811 Dream Different Credit Card
- Tata Neu Plus HDFC Bank Credit Card vs AU Altura Credit Card
- Tata Neu Plus HDFC Bank Credit Card vs AU Altura+ Credit Card
- Tata Neu Plus HDFC Bank Credit Card vs AU LIT Credit Card
- Tata Neu Plus HDFC Bank Credit Card vs AU Zenith Credit Card
- Tata Neu Plus HDFC Bank Credit Card vs American Express Gold Card
- Tata Neu Plus HDFC Bank Credit Card vs American Express Platinum Travel Card
- Tata Neu Plus HDFC Bank Credit Card vs American Express SmartEarn Credit Card
- Tata Neu Plus HDFC Bank Credit Card vs Amex Membership Rewards CC
- Tata Neu Plus HDFC Bank Credit Card vs Axis Bank ACE Credit Card
- Tata Neu Plus HDFC Bank Credit Card vs Axis Bank Airtel Credit Card
- Tata Neu Plus HDFC Bank Credit Card vs Axis Bank Atlas Credit Card