YES FIRST Business Credit Card vs Tata Neu Infinity HDFC Bank Credit Card

Joining Fees

₹4,999

₹1,499

Editor's Rating

2.8

4

Key Features

  • Earn Renewal benefit of 15,000 Reward Points on each renewal
  • Domestic Airlines and Dining: 4 Reward Points per Rs. 100 spent on all other categories
  • Complimentary Priority Pass Membership for the Primary Cardmember- Complimentary International lounge access and complimentary access to MasterCard affiliated lounges across Indian airports
  • Enjoy one complimentary golf lesson every calendar month
  • Fuel Surcharge Waiver
  • Insurance Coverage
  • 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)

Editor's Review

Pros

  • Annual Bonus Reward Points: Earn 20,000 Reward Points on achieving annual spends of Rs. 12 Lakhs or more in each anniversary year
  • Reward Points Accrual: 8 Reward Points per Rs. 100 spent on Travel Agencies & Tour Operators
  • Cash Advances and Overdue Amount: Preferential Foreign Currency Markup of 1.75% only

Cons

  • You will not earn any extra rewards on international expenditure
  • Air mile conversion option is only available with InterMiles

Pros

  • Accidental air death cover worth Rs. 1 Crore
  • Emergency overseas hospitalization: Up to Rs. 15 lakhs
  • Lost Card Liability CoverUp 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

  • No golf benefits
  • Tata Neu coins are valid only for 1 year and can be used only in the Tata Neu app or paying thru the Neu app


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