Compare AU Nomo Credit Card vs Tata Neu Infinity HDFC Bank Credit Card

Welcome Benefit: Begin the journey with NOMO FD Credit Card by earning 500 Reward Points on the very first transaction within 30 days of card setup
Earn 2 Reward Points for every Rs. 100 spent on retail purchases and 1 Reward Point for every Rs. 100 spent on utility and insurance transactions. Do note that Cash, Rent, Education & Govt, EMI, Fuel, BBPS and Quasi Cash transactions are not eligible for Reward Points. Cardholders can earn a maximum of 100 Reward Points per transaction on Utility & Telecom spends
Milestone Benefits: In a quarter, cross Rs. 25,000 retail spends and get 500 Reward Points plus receive an additional 500 Reward Points on retail spends of Rs. 50,000 in a quarter. Fuel and Cash transactions will not be considered for Milestone benefit calculation
Lower Forex Markup of just 0.99%
2 Complimentary access to Domestic Airport Lounges per quarter upon achieving Rs. 20,000 spends in calendar quarter
Railway Lounge Access: Recharge before the journey with 2 Complimentary Railway Lounge visits per calendar quarter. Do note: add-on cardholders can also enjoy Railway Lounge Access within the mentioned complimentary number of visits
1% Fuel Surcharge Waiver for transactions between Rs. 400 and Rs. 5,000 at fuel stations across India (up to Rs. 100 per statement cycle)
Redeem the Reward Points for a variety of benefits, including e-vouchers, merchandise, mobile / DTH recharges, and flight / hotel bookings from AU Bank’s curated rewards catalogue
Zero liability on any fraudulent transactions made with card after reporting the loss to the bank
Get protected against Card Counterfeit/Skimming and Online frauds
Contactless Card Usage: Tap and pay at participating merchants without entering your PIN for transactions up to Rs. 5,000
Convert transactions worth Rs. 2,000 or more into easy EMI options with a simple call to the bank

In a year, spend Rs. 3,00,000 or more before the Credit Card renewal date and get the renewal fee waived off
5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month
Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
Reward points gained on Grocery transactions will be capped to 2,000 per month
Zero lost card liability
Foreign Currency Markup: 2% on all your foreign currency spends
Domestic Lounge Access – VISA / RuPay Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter). Rs. 2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access
International Lounge Access – VISA Card: By using Priority Pass avail up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter). If exceed the 4 Complimentary (1 per Quarter) visits, you will be charged at US $27 + GST per visit
International Lounge Access - RuPay: 4 Complimentary International Lounge Access per calendar year (1 per Quarter)

Pros

Low forex markup charge of 0.99%
Insurance and utility spends are also rewarded with this card
2 Complimentary access to Domestic Airport Lounges

Cons

NOMO Card is good for beginners, but for those seeking higher features should seek elsewhere
No dining or movie benefits
No complimentary international airport lounge access

Pros

Accidental air death cover worth Rs. 1 Crore
Emergency overseas hospitalization: Up to Rs. 15 lakhs
Lost Card Liability Cover : Up to Rs. 9 lakhs
Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)

Cons