Home/Compare/HDFC Tata Neu Infinity Credit Card vs HDFC Tata Neu Plus Credit Card

HDFC Tata Neu Infinity Credit Card vs HDFC Tata Neu Plus Credit Card

Cap-aware comparison at ₹49,000/month total spend · Data verified March 2026

HDFC
HDFC Tata Neu Infinity Credit Card
₹1,499/yr
2,520
cashback/month
Winner
HDFC
HDFC Tata Neu Plus Credit Card
₹499/yr
1,648
cashback/month

Category-by-Category Breakdown

🍽️Dining
6,000/mo
HDFC Tata Neu Infinity Credit Card
901.5%
HDFC Tata Neu Plus Credit Card
601%
✈️Travel
5,000/mo
HDFC Tata Neu Infinity Credit Card
50010%
HDFC Tata Neu Plus Credit Card
3507%
🛒Online Shopping
10,000/mo
HDFC Tata Neu Infinity Credit Card
1501.5%
HDFC Tata Neu Plus Credit Card
1001%
🥦Groceries
8,000/mo
HDFC Tata Neu Infinity Credit Card
80010%
HDFC Tata Neu Plus Credit Card
5096.36%
⚠ capped
Fuel
4,000/mo
HDFC Tata Neu Infinity Credit Card
601.5%
HDFC Tata Neu Plus Credit Card
401%
💡Utilities
5,000/mo
HDFC Tata Neu Infinity Credit Card
751.5%
HDFC Tata Neu Plus Credit Card
501%
🎬Entertainment
3,000/mo
HDFC Tata Neu Infinity Credit Card
451.5%
HDFC Tata Neu Plus Credit Card
301%
🛍️Shopping
8,000/mo
HDFC Tata Neu Infinity Credit Card
80010%
HDFC Tata Neu Plus Credit Card
5096.36%
⚠ capped

Quick Specs

Annual Fee₹1,499₹499
Fee Waiver₹3L annual spend₹1L annual spend
NetworkRuPayRuPay
Lounge Access8/year4/year (conditional)
Card TypePremiumLifestyle
The Verdict

HDFC Tata Neu Infinity Credit Card earns ₹872 more per month on this spending pattern. HDFC Tata Neu Infinity Credit Card wins on dining, travel, online shopping, groceries, fuel, utilities, entertainment, shopping. HDFC Tata Neu Plus Credit Card wins on no categories. The best strategy? Use HDFC Tata Neu Infinity Credit Card as your primary card and HDFC Tata Neu Plus Credit Card for its winning categories.

Pick HDFC Tata Neu Infinity Credit Card if

You spend heavily on dining, travel, online shopping

View HDFC Tata Neu Infinity Credit Card details →
Pick HDFC Tata Neu Plus Credit Card if

You want a lower fee (₹499/year vs ₹1,499/year)

View HDFC Tata Neu Plus Credit Card details →
Or use both

Use HDFC Tata Neu Infinity Credit Card for dining and travel, and HDFC Tata Neu Plus Credit Card for its strengths. Combined fee: ₹1,998/year.

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