vs
In short: HDFC Tata Neu Plus has the lower annual fee (₹499 vs ₹500); both charge a 3.5% forex markup.
| Key facts | HDFC Swiggy | HDFC Tata Neu Plus |
|---|---|---|
| Annual fee | ₹500 | ₹499 |
| Joining fee | ₹500 | ₹499 |
| Annual fee waived | On ₹2 lakh annual spend | On ₹1 lakh annual spend |
| Top reward rate | 10% Cashback on Swiggy Applications | 2% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rewards | 1% Cashback on All Other Spends | 1% Back as NeuCoins on Non-Tata Brands |
| Lounge access | Not listed | 1 airport lounge visit a quarter |
| Forex markup | 3.5% | 3.5% |
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 ₹4,799 more a year after annual fees (₹7,800 vs ₹3,000 in rewards).
| Spend profile | HDFC Swiggy | HDFC Tata Neu Plus |
|---|---|---|
| Reward value: top rate / base rate | 10% / 1% | 2% / 1% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹7,800 | ₹3,000 |
| Annual fee | ₹500 | ₹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).
The Swiggy Hdfc Bank Credit Card and the Tata Neu Plus Hdfc Bank Credit Card both offer cashback rewards but cater to different spending preferences. The Swiggy card focuses on high cashback rates on Swiggy and various online categories, while the Tata Neu Plus card rewards NeuCoins primarily on Tata brand spends and select partners. Both cards have similar fees and forex markup charges, but differ in lounge access and fuel surcharge benefits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Swiggy Hdfc Bank Credit Card | Tata Neu Plus Hdfc Bank Credit Card |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | MasterCard | Visa |
| Joining fee | Joining Fee of Rs. 500 | Joining Fee of Rs.499 |
| Annual / renewal fee | Renewal Fee of Rs.500 | Renewal Fee of Rs.499 |
| Annual fee waiver | Spend Rs.200000 For Renewal Fee Waiver | Spend Rs.100000 For Renewal Fee Waiver |
| Top reward rate | 10% Cashback on Swiggy Applications | 2% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rate (other spends) | 1% Cashback on All Other Spends | 1% Back as NeuCoins on Non-Tata Brands |
| Lounge — domestic | — | 1 Complimentary Airport Lounge Access Per Quarter |
| Fuel surcharge waiver | — | 1% Fuel Surcharge Waiver |
| Welcome benefit | Complimentary Swiggy One Membership | Welcome Benefit of 499 NeuCoins |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
For rewards, the Swiggy Hdfc Bank Credit Card offers a top cashback rate of 10% on Swiggy applications and 5% on a broad range of online categories including apparel, electronics, and popular e-commerce platforms like Amazon and Flipkart. Its base cashback rate is 1% on all other spends. In contrast, the Tata Neu Plus card provides 2% back as NeuCoins on non-EMI spends on Tata Neu and select Tata brand partners, with a 1% base rate on other spends. At Rs.20,000 monthly spend, the Swiggy card yields about Rs.7,800 annually in rewards compared to Rs.3,000 for the Tata Neu Plus card, making the Swiggy card more rewarding for diverse online and app-based spending.
Regarding travel benefits, the Tata Neu Plus Hdfc Bank Credit Card offers a quarterly complimentary domestic airport lounge access, which is not listed in our data for the Swiggy card. Additionally, Tata Neu Plus provides 2% NeuCoins back on Air India Express spends, enhancing its travel rewards appeal. The Swiggy card includes cashback on ride-hailing services like Ola and Uber, which may benefit users who spend in these categories.
Both cards have a joining and renewal fee of around Rs.500, with fee waivers available upon spending Rs.2,00,000 for Swiggy and Rs.1,00,000 for Tata Neu Plus. Both charge a 3.5% forex markup fee. Tata Neu Plus additionally offers a 1% fuel surcharge waiver, which is not listed in our data for the Swiggy card. Overall, the effective cost depends on your annual spend; Tata Neu Plus has a lower waiver threshold and a fuel surcharge benefit, making it potentially more cost-effective for moderate spenders who value fuel savings.
Swiggy Hdfc Bank Credit Card is co-branded with Swiggy and offers high cashback primarily on food delivery and online shopping categories, while Tata Neu Plus rewards NeuCoins mainly on Tata group brands and partners, reflecting a loyalty program focus. This difference affects how rewards accumulate depending on your spending habits.
Tata Neu Plus provides one complimentary domestic airport lounge access per quarter, enhancing travel convenience. Lounge access is not listed in our data for the Swiggy card, so check with the issuer if this is important to you.
Tata Neu Plus has a lower renewal fee waiver threshold at Rs.1,00,000 annual spend compared to Rs.2,00,000 for Swiggy. Additionally, Tata Neu Plus offers a 1% fuel surcharge waiver, which can save costs for users who frequently pay fuel bills on the card.
Consider Swiggy Hdfc Bank Credit Card if you frequently order on Swiggy or shop online across multiple categories like apparel, electronics, and entertainment. Its higher cashback rates on these spends and a complimentary Swiggy One membership make it ideal for users looking to maximize cashback on food delivery and diverse online purchases.
Consider Tata Neu Plus Hdfc Bank Credit Card if you prefer earning NeuCoins on Tata brand spends and want quarterly domestic lounge access. It suits those who shop within the Tata ecosystem or travel occasionally and value fuel surcharge waivers. The card also has a lower renewal fee waiver threshold, which benefits moderate spenders.
Both Swiggy Hdfc Bank Credit Card and Tata Neu Plus Hdfc Bank Credit Card have a joining and renewal fee of Rs.500 and Rs.499 respectively.
Yes, the Swiggy card waives the renewal fee if you spend Rs.2,00,000 annually, while the Tata Neu Plus card waives it on Rs.1,00,000 annual spend.
The Swiggy Hdfc Bank Credit Card offers 10% cashback on Swiggy apps and 5% on various online categories, making it better for food delivery and online shopping rewards.
Tata Neu Plus Hdfc Bank Credit Card offers one complimentary domestic airport lounge access per quarter. Lounge access is not listed in our data for the Swiggy card.
Both cards charge a forex markup fee of 3.5% on foreign currency transactions.
Tata Neu Plus Hdfc Bank Credit Card provides a 1% fuel surcharge waiver, effective from October 1, 2025. Fuel surcharge waiver is not listed in our data for the Swiggy card.