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Side-by-Side Comparison|Updated March 2026

HDFC Bank - Tata Neu Plus HDFC Bank vs HDFC Bank MoneyBack+ Credit Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

HDFC Bank

HDFC Bank - Tata Neu Plus HDFC Bank

8.2/10
Annual Fee₹499
Base Rewards1%
NetworkRuPay
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HDFC Bank

HDFC Bank MoneyBack+ Credit Card

7.2/10
Annual Fee₹500
Base Rewards0.33333333333333337%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank - Tata Neu Plus HDFC BankHDFC Bank MoneyBack+ Credit Card
Annual Fee₹499₹500
Joining Fee₹499₹500
Fee Waiver Spend₹1,00,000₹50,000
Base Reward Rate1%0.33333333333333337%
Reward CurrencyNeuCoinCashPoints
NetworkRuPayVisa
Editor Rating8.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank - Tata Neu Plus HDFC Bank

  • 0% on Tata Neu App & Partner Brands
  • 0% on Tata Neu App (with NeuPass)
  • 0% on Tata Neu UPI Spends
  • 0% on Other UPI Spends

HDFC Bank MoneyBack+ Credit Card

  • 0.83% on Partner Merchants (Amazon, ... — 2500 pts/month
  • 0.42% on EMI Spends (Merchant Locati... — 2500 pts/month

Pros & Cons

HDFC Bank - Tata Neu Plus HDFC Bank

Pros

  • Up to 7% value back on Tata Neu app spends (2% base + 5% NeuPass).
  • 1% back on UPI spends via Tata Neu UPI (RuPay variant).
  • 1 NeuCoin = ₹1, offering simple and transparent redemption.
  • Low annual fee of ₹499 with a reachable waiver at ₹1 Lakh spend.

Cons

  • Domestic lounge access is now milestone-based (₹50,000 spend per quarter).
  • No international lounge access compared to the Infinity variant.
  • Reward capping on grocery spends (1,000 NeuCoins per month).

HDFC Bank MoneyBack+ Credit Card

Pros

  • 10X CashPoints (3.3% value back) on major platforms like Amazon, Flipkart, and Swiggy.
  • Low annual fee of ₹500, easily waived with a modest annual spend of ₹50,000.
  • Quarterly milestone benefit of ₹500 gift voucher on spending ₹50,000.
  • RuPay variant allows for UPI payments with reward point earnings.

Cons

  • No complimentary domestic or international airport lounge access.
  • Monthly capping of 2,500 CashPoints on accelerated 10X categories limits high spenders.
  • Low base reward rate of 0.33% (2 points per ₹150) on non-partner spends.

Our Verdict

HDFC Bank - Tata Neu Plus HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank MoneyBack+ Credit Card could be the better pick if its specific category strengths match your spending habits.

Choose HDFC Bank - Tata Neu Plus HDFC Bank if

High rewards on BigBasket, Croma, Tata 1mg, and Air India.

Choose HDFC Bank MoneyBack+ Credit Card if

Low income eligibility and simple reward structure make it an excellent entry-level card.

Frequently Asked Questions

Which is better: HDFC Bank - Tata Neu Plus HDFC Bank or HDFC Bank MoneyBack+ Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, HDFC Bank MoneyBack+ Credit Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between HDFC Bank - Tata Neu Plus HDFC Bank and HDFC Bank MoneyBack+ Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank has an annual fee of ₹499, while HDFC Bank MoneyBack+ Credit Card has an annual fee of ₹500. HDFC Bank - Tata Neu Plus HDFC Bank offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank MoneyBack+ Credit Card offers a fee waiver on ₹50,000 annual spend.
Which card has better rewards: HDFC Bank - Tata Neu Plus HDFC Bank or HDFC Bank MoneyBack+ Credit Card?
HDFC Bank - Tata Neu Plus HDFC Bank offers a base reward rate of 1% with accelerated rewards on Tata Neu App & Partner Brands and Tata Neu App (with NeuPass). HDFC Bank MoneyBack+ Credit Card offers 0.33333333333333337% base rewards with bonuses on Partner Merchants (Amazon, ... and EMI Spends (Merchant Locati.... The better choice depends on your primary spending categories.
Can I have both HDFC Bank - Tata Neu Plus HDFC Bank and HDFC Bank MoneyBack+ Credit Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank - Tata Neu Plus HDFC Bank and HDFC Bank MoneyBack+ Credit Card can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank - Tata Neu Plus HDFC Bank or HDFC Bank MoneyBack+ Credit Card?
For beginners, HDFC Bank - Tata Neu Plus HDFC Bank may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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