CardHungry

Side-by-side · honest numbers

Tata Neu Plus HDFC Bank Credit Card vs PhonePe SBI Card PURPLE vs PhonePe SBI Card SELECT BLACK

Honest side-by-side comparison of Tata Neu Plus HDFC Bank Credit Card, PhonePe SBI Card PURPLE, PhonePe SBI Card SELECT BLACK — 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

PhonePe SBI Card PURPLE

SBI Card

PhonePe SBI Card SELECT BLACK

SBI Card

Your adjusted comparison

Feature
Tata Neu Plus HDFC Bank Credit Card

Tata Neu Plus HDFC Bank Credit Card

HDFC Bank

PhonePe SBI Card PURPLE credit card

PhonePe SBI Card PURPLE

SBI Card

PhonePe SBI Card SELECT BLACK credit card

PhonePe SBI Card SELECT BLACK

SBI Card

Fees & eligibility
Annual fee₹499₹499₹1,499
Fee waiver thresholdWaived at ₹1,00,000/yr spendWaived at ₹1,00,000/yr spendWaived at ₹3,00,000/yr spend
Min income₹25,000/mo₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)₹2,700/yr₹3,441/yr₹7,350/yr
Online shopping₹2,000 × 5% = ₹100/mo (₹1,200/yr) · cap reached₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills—₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate5% NeuCoins3%10%
Primary reward cap₹2,000 eligible spend/mo₹750 rewards/mo cap₹1,500 rewards/mo cap
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · Lounge voucher unlocked on ₹50,000 spend per calendar quarterNone4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsEarns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&CsEarns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spendsEarns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusionsEMI · Fuel · Rent · WalletFuel · Wallet top-ups · Rent · EMI · Cash advanceFuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus₹499₹500₹1,500
Tata Neu Plus HDFC Bank Credit Card details →PhonePe SBI Card PURPLE details →PhonePe SBI Card SELECT BLACK details →

Share this comparison

https://cardhungry.com/in/en/compare/hdfc-tata-neu-plus-vs-phonepe-sbi-purple-vs-phonepe-sbi-select-black

Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK ranks first for estimated net annual value — ahead of PhonePe SBI Card PURPLE by about ₹3,909/yr.

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

Tata Neu Plus HDFC Bank Credit Card vs PhonePe SBI Card PURPLE vs PhonePe SBI Card SELECT BLACK comparison table
FeatureTata Neu Plus HDFC Bank Credit Card

HDFC Bank

PhonePe SBI Card PURPLE

SBI Card

PhonePe SBI Card SELECT BLACK

SBI Card

Fees & eligibility
Annual fee₹499₹499₹1,499
Fee waiver thresholdWaived at ₹1,00,000/yr spendWaived at ₹1,00,000/yr spendWaived at ₹3,00,000/yr spend
Min income₹25,000/mo₹25,000/mo₹25,000/mo
Secured / FD-backedStandardStandardStandard
Rewards
Net annual value (moderate)₹2,700/yr₹3,441/yr₹7,350/yr
Online shopping₹2,000 × 5% = ₹100/mo (₹1,200/yr) · cap reached₹8,000 × 2% = ₹160/mo (₹1,920/yr) · issuer max ₹750/mo₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills—₹1,225 × 3% = ₹36.75/mo (₹441/yr) · issuer max ₹750/mo₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate5% NeuCoins3%10%
Primary reward cap₹2,000 eligible spend/mo₹750 rewards/mo cap₹1,500 rewards/mo cap
Perks & restrictions
Lounge access4 domestic airport lounge visits per year (1/quarter) · Lounge voucher unlocked on ₹50,000 spend per calendar quarterNone4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewardsEarns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&CsEarns: 3% on PhonePe app spends (1% base on other UPI apps) · cap 250 pts/mo insurance + 750 pts/mo other PhonePe spendsEarns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusionsEMI · Fuel · Rent · WalletFuel · Wallet top-ups · Rent · EMI · Cash advanceFuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus₹499₹500₹1,500

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?
PhonePe SBI Card SELECT BLACK leads with an estimated ₹7,350/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