Side-by-side · honest numbers
Tata Neu Plus HDFC Bank Credit Card vs Kotak Royale Signature Credit Card vs RBL Bank Icon Credit Card
Honest side-by-side comparison of Tata Neu Plus HDFC Bank Credit Card, Kotak Royale Signature Credit Card, RBL Bank Icon 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 Kotak Royale Signature Credit Card by about ₹3,389/yr.
| Feature | Tata Neu Plus HDFC Bank Credit Card HDFC Bank | Kotak Royale Signature Credit Card Kotak Mahindra Bank | RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹999 | ₹5,000 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,529/yr | ₹140/yr | -₹4,920/yr |
| Online shopping | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — | — |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 5% NeuCoins | 2X reward points | 2X points/₹150 |
| Primary reward cap | ₹2,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Limited domestic lounge visits — verify on issuer site | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) |
| 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) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · 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?
- 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?
- 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
Change spend profile or swap cards — results update live below.
Tata Neu Plus HDFC Bank Credit Card
HDFC Bank
Kotak Royale Signature Credit Card
Kotak Mahindra Bank
RBL Bank Icon Credit Card
RBL Bank
Your adjusted comparison
| Feature | 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 | RBL BankPlatinum RBL Bank Icon Credit Card •••• •••• •••• 4242 Quick facts RBL Bank Icon Credit Card Top reward2X points/₹150 Annual fee₹5,000 Min income₹50,000/mo Tap to flip back RBL Bank Icon Credit Card RBL Bank |
|---|---|---|---|
| Fees & eligibility | |||
| Annual fee | ₹499 | ₹999 | ₹5,000 |
| Fee waiver threshold | Waived at ₹1,00,000/yr spend | Waived at ₹1,00,000/yr spend | No waiver published |
| Min income | ₹25,000/mo | ₹25,000/mo | ₹50,000/mo |
| Secured / FD-backed | Standard | Standard | Standard |
| Rewards | |||
| Net annual value (moderate) | ₹3,529/yr | ₹140/yr | -₹4,920/yr |
| Online shopping | 5% cashback → ₹100/mo (₹1,200/yr) (cap hit) | — | — |
| Fuel | — | 2 pts per ₹150 spend → ₹13/mo (₹160/yr) | — |
| Travel | — | — | 2 pts per ₹150 spend → ₹17/mo (₹200/yr) |
| Top reward rate | 5% NeuCoins | 2X reward points | 2X points/₹150 |
| Primary reward cap | ₹2,000 eligible spend/mo | No monthly cap published | No monthly cap published |
| Perks & restrictions | |||
| Lounge access | None | Limited domestic lounge visits — verify on issuer site | Domestic lounge access · ₹35,000/quarter retail spend from Jul 2025 (same as RBL World Safari program) |
| 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) | Not supported (Visa/MC) |
| Key exclusions | EMI · Fuel · Rent · Wallet | EMI · Rent · Wallet | EMI · Fuel · Rent |
| Bonuses | |||
| Signup bonus | ₹499 | — | — |
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https://cardhungry.com/in/en/compare/hdfc-tata-neu-plus-vs-kotak-royale-vs-rbl-iconMore Tata Neu Plus HDFC Bank Credit Card comparisons
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