Tata Neu Plus HDFC Bank vs Union Bank RuPay Select
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Union Bank RuPay Select Credit Card wins 4 of 8 dimensions with a CardTrail Score of 8.2/10 vs 8.1/10.
| Feature | Tata Neu Plus HDFC Bank | Union Bank RuPay Select |
|---|---|---|
| CardTrail Score | 8.1/10 | 8.2/10 |
| Annual Fee | ₹499 | ₹499 |
| Base Reward Rate | 1% | 4% |
| Max Reward Rate | 7% | 4% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 1 | 2 |
| International Lounges | 0 | 2 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | RuPay |
When to Choose Tata Neu Plus HDFC Bank
- You can meet the fee waiver condition: Spend Rs. 1 Lakh in a year
- You want higher rewards — up to 7% vs 4%
- Your primary spend is: tata-ecosystem, rewards
When to Choose Union Bank RuPay Select
- You can meet the fee waiver condition: Spend Rs 50K/year
- Airport lounge access matters — 2 domestic visits
- Your primary spend is: rewards, lounge-access, insurance
Annual Fee Value Analysis
To break even on Tata Neu Plus HDFC Bank's ₹499 fee at 1% rewards, spend ₹4,158/month.
To break even on Union Bank RuPay Select's ₹499 fee at 4% rewards, spend ₹1,040/month.