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.

Side-by-side · honest numbers

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

Honest side-by-side comparison of Tata Neu Plus HDFC Bank Credit Card, 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.

Card 1

Tata Neu Plus HDFC Bank Credit Card

HDFC Bank

Card 2

PhonePe SBI Card SELECT BLACK

SBI Card

Your adjusted comparison

Feature	HDFC Bank Tata Neu Plus 4532 7717 4089 3636 Valid thru 12/28 Acc CREDIT Card holder TATA NEU PLUS HDFC BAN Customer service HDFC Bank · 1800-XXX-XXXX Authorized signature CVV••• Tata Neu Plus HDFC Bank Credit Card Top reward: 5% NeuCoins Annual fee: ₹499 Min income: ₹25,000/mo Property of HDFC Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back Tata Neu Plus HDFC Bank Credit Card HDFC Bank	SBI Card PhonePe SELECT BLACK 6521 5463 7182 2897 Valid thru 12/28 Acc CREDIT Card holder PHONEPE SBI CARD SELEC Customer service SBI Card · 1800-XXX-XXXX Authorized signature CVV••• PhonePe SBI Card SELECT BLACK Top reward: 10% Annual fee: ₹1,499 Min income: ₹25,000/mo Property of SBI Card. If found, return to nearest branch. Not valid unless signed. Tap to flip back PhonePe SBI Card SELECT BLACK SBI Card
Fees & eligibility
Annual fee	₹499	₹1,499
Fee waiver threshold	Waived at ₹1,00,000/yr spend	Waived at ₹3,00,000/yr spend
Min income	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹2,700/yr	₹7,350/yr
Online shopping	₹2,000 × 5% = ₹100/mo (₹1,200/yr) · cap reached	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills	—	₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate	5% NeuCoins	10%
Primary reward cap	₹2,000 eligible spend/mo	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	4 domestic airport lounge visits per year (1/quarter) · Lounge voucher unlocked on ₹50,000 spend per calendar quarter	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs	Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusions	EMI · Fuel · Rent · Wallet	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	₹499	₹1,500

Stack mode (hold both)

Cap-aware split: ~₹10,080/yr combined NAV (₹2,730 vs best solo). Both annual fees apply.

Tata Neu Plus HDFC Bank Credit Card details →PhonePe SBI Card SELECT BLACK details →

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Reference summary

At a glance (moderate spend)

Quick verdict: On moderate spend, PhonePe SBI Card SELECT BLACK leads Tata Neu Plus HDFC Bank Credit Card by about ₹4,650/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

Tata Neu Plus HDFC Bank Credit Card vs PhonePe SBI Card SELECT BLACK comparison table
Feature	Tata Neu Plus HDFC Bank Credit Card HDFC Bank	PhonePe SBI Card SELECT BLACK SBI Card
Fees & eligibility
Annual fee	₹499	₹1,499
Fee waiver threshold	Waived at ₹1,00,000/yr spend	Waived at ₹3,00,000/yr spend
Min income	₹25,000/mo	₹25,000/mo
Secured / FD-backed	Standard	Standard
Rewards
Net annual value (moderate)	₹2,700/yr	₹7,350/yr
Online shopping	₹2,000 × 5% = ₹100/mo (₹1,200/yr) · cap reached	₹8,000 × 5% = ₹400/mo (₹4,800/yr) · issuer max ₹1,000/mo
Utilities & bills	—	₹1,225 × 10% = ₹122.50/mo (₹1,470/yr) · issuer max ₹1,500/mo
Top reward rate	5% NeuCoins	10%
Primary reward cap	₹2,000 eligible spend/mo	₹1,500 rewards/mo cap
Perks & restrictions
Lounge access	4 domestic airport lounge visits per year (1/quarter) · Lounge voucher unlocked on ₹50,000 spend per calendar quarter	4 domestic airport lounge visits per year · No minimum spend required for lounge access
UPI rewards	Earns: 5% NeuCoins on Tata brands; 1% on other eligible spends (UPI & card) · cap NeuCoins caps per Tata Neu / HDFC T&Cs	Earns: 10% on PhonePe app spends (3% base on other UPI apps) · cap 500 pts/mo insurance + 1,500 pts/mo other PhonePe spends
Key exclusions	EMI · Fuel · Rent · Wallet	Fuel · Wallet top-ups · Rent · EMI · Cash advance
Bonuses
Signup bonus	₹499	₹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.

Customize your spend

Spend assumptions

Your adjusted comparison

At a glance (moderate spend)

Frequently asked questions

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