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In short: HDFC Swiggy has the lower annual fee (₹500 vs ₹1,499); HDFC Tata Neu Infinity has the lower forex markup (2% vs 3.5%).
| Key facts | HDFC Swiggy | HDFC Tata Neu Infinity |
|---|---|---|
| Annual fee | ₹500 | ₹1,499 |
| Joining fee | ₹500 | ₹1,499 |
| Annual fee waived | On ₹2 lakh annual spend | On ₹3 lakh annual spend |
| Top reward rate | 10% Cashback on Swiggy Applications | 5% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rewards | 1% Cashback on All Other Spends | 1.5% Back as NeuCoins on Non-Tata Brands |
| Lounge access | Not listed | 2 airport lounge visits a quarter |
| Forex markup | 3.5% | 2% |
From issuer benefit data, checked 26 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Swiggy returns about ₹3,099 more a year after annual fees (₹7,800 vs ₹5,700 in rewards).
| Spend profile | HDFC Swiggy | HDFC Tata Neu Infinity |
|---|---|---|
| Reward value: top rate / base rate | 10% / 1% | 5% / 1.5% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹3,600 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹7,800 | ₹5,700 |
| Annual fee | ₹500 | ₹1,499 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Swiggy Hdfc Bank Credit Card lists a lower headline annual fee in our data (around ₹999 apart), before waivers. Swiggy Hdfc Bank Credit Card shows a stronger headline earn rate. Tata Neu Infinity Hdfc Bank Credit Card lists more lounge access benefits. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Swiggy Hdfc Bank Credit Card | Tata Neu Infinity Hdfc Bank Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs. 500 | Joining Fee of Rs.1499 |
| Annual / renewal fee | Renewal Fee of Rs.500 | Renewal Fee of Rs.1499 |
| Annual fee waiver | Spend Rs.200000 For Renewal Fee Waiver | Spend Rs.300000 For Renewal Fee Waiver |
| Top reward rate | 10% Cashback on Swiggy Applications | 5% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rate (other spends) | 1% Cashback on All Other Spends | 1.5% Back as NeuCoins on Non-Tata Brands |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | 1 Complimentary Airport Lounge Access Outside India |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | Complimentary Swiggy One Membership | Welcome Benefit of 1499 NeuCoins |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
Swiggy Hdfc Bank Credit Card shows a higher headline earn rate (10% Cashback on Swiggy Applications vs 5% Back as NeuCoins on Non-EMI Spends on Tata Neu). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Tata Neu Infinity Hdfc Bank Credit Card lists more lounge access benefits (domestic: 2 Complimentary Airport Lounge Access Per Quarter; international: 1 Complimentary Airport Lounge Access Outside India). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Swiggy Hdfc Bank Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Consider Swiggy Hdfc Bank Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Consider Tata Neu Infinity Hdfc Bank Credit Card if you already bank with HDFC Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Lounge access listed for each card: Tata Neu Infinity Hdfc Bank Credit Card — domestic: 2 Complimentary Airport Lounge Access Per Quarter; international: 1 Complimentary Airport Lounge Access Outside India. Swiggy Hdfc Bank Credit Card — domestic: —; international: —. Guest rules, networks and visit caps change — confirm on the HDFC Bank and HDFC Bank websites before you travel.
The listed renewal fees are about ₹500 vs ₹1,499 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the HDFC Bank and HDFC Bank websites for the final number.
Swiggy Hdfc Bank Credit Card shows a stronger headline earn rate (10% Cashback on Swiggy Applications vs 5% Back as NeuCoins on Non-EMI Spends on Tata Neu). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Swiggy Hdfc Bank Credit Card: Spend Rs.200000 For Renewal Fee Waiver Tata Neu Infinity Hdfc Bank Credit Card: Spend Rs.300000 For Renewal Fee Waiver Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Swiggy Hdfc Bank Credit Card: 3.50% - Foreign Currency Transactions Tata Neu Infinity Hdfc Bank Credit Card: 2% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the HDFC Bank and HDFC Bank websites.
Swiggy Hdfc Bank Credit Card: Complimentary Swiggy One Membership Tata Neu Infinity Hdfc Bank Credit Card: Welcome Benefit of 1499 NeuCoins Welcome campaigns are time-bound — verify eligibility and fulfilment on the HDFC Bank and HDFC Bank websites.