Kiwi RuPay Credit Card (PNB) vs Tata Neu Plus HDFC Bank Credit Card
Last verified 18 Oct 2026 · how we compare
Side by side
| Feature | Kiwi RuPay Credit Card (PNB) | Tata Neu Plus HDFC Bank Credit Card |
|---|---|---|
| Issuer | Punjab National Bank | HDFC Bank |
| Joining fee | Free | ₹499 |
| Annual fee | Free | ₹499 |
| Fee waiver | Virtual card: no joining or annual fee | Renewal fee waived on spends of ₹1,00,000 or more in the year before the renewal date. Welcome benefit of 499 NeuCoins (credited by Tata Digital in the Tata Neu app) on the first transaction within 30 days of issuance, given as a reversal of the first-year fee |
| Everyday spends (value back) | – | 1% |
| Online shopping (value back) | 0.5% | 1% |
| Fuel (value back) | – | 0% |
| Groceries (value back) | – | 1% |
| UPI (value back) | 1.5% | 1% |
| Travel (value back) | – | 1% |
| Bills and utilities (value back) | – | 1% |
| Dining and food delivery (value back) | 0.5% | 1% |
| Rewards in short | RuPay credit card on UPI: 1.5% Kiwis cashback on scan and pay, 0.5% on online spends, plus 5-15% rotating merchant offers. | NeuCoins worth ₹1 each on Tata Neu: 2% back at Tata partner brands (Croma, BigBasket, Tata CLiQ, Westside, IHCL, Air India and others), 1% on other spends, up to 1% on RuPay UPI (500 NeuCoins a month cap); fuel, rent, wallet and government spends earn nothing. |
| Works on UPI | Yes (RuPay) | Yes (RuPay) |
| Airport lounge | PNB lists domestic and international airport lounge access on spends of ₹50,000, run by GoKiwi; the number of visits and the spend period are not published. | 4 domestic lounge vouchers a year (1 a calendar quarter) after ₹50,000 spend in a calendar quarter. |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel transactions above ₹400 and below ₹4,000, max ₹350 per statement cycle | 1% waiver on fuel transactions of ₹400 to ₹5,000, capped at ₹250 per statement cycle |
| Card network | RuPay | Visa, RuPay |
| Minimum income (salaried) | ₹20,833 a month | ₹25,000 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the Kiwi RuPay Credit Card (PNB) if
you mostly pay by scanning UPI codes and want no annual fee
Lifetime free
Pick the Tata Neu Plus HDFC Bank Credit Card if
you also shop online, pay bills or buy from Tata brands on the card
₹499 joining, ₹499 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which is better for UPI, Kiwi or Tata Neu Plus?
Kiwi: 1.5% on UPI scan-and-pay against up to 1% on Tata Neu Plus's RuPay variant. Both cap monthly rewards. Kiwi's cap is 1% of your credit limit, so on a ₹50,000 limit it stops at ₹500, reached at about ₹33,000 of UPI spend; Tata Neu Plus stops at 500 NeuCoins (₹500), reached at ₹50,000. Kiwis are given only on transaction amounts in multiples of ₹100.
Does Kiwi have lounge access?
PNB lists domestic and international airport lounge access on ₹50,000 of spend, run by GoKiwi, but doesn't publish how many visits you get or over what period. Tata Neu Plus gives 1 domestic lounge voucher each calendar quarter, up to 4 a year, when you spend ₹50,000 in that quarter.
Do they earn on bills, rent or fuel?
Tata Neu Plus earns 1% on utility bills (up to 2,000 NeuCoins a month) but nothing on fuel, rent, wallet loads or government payments. Kiwi excludes all of those, plus education, insurance, telecom, tolls and gift cards. Kiwi waives the 1% fuel surcharge on transactions above ₹400 and below ₹4,000, up to ₹350 a statement cycle; Tata Neu Plus on ₹400 to ₹5,000, up to ₹250.
Who can get Kiwi or Tata Neu Plus?
PNB asks for an income of ₹2.5 lakh a year for Kiwi, a virtual card you apply for in the Kiwi app. Tata Neu Plus needs a gross monthly income above ₹25,000 for salaried applicants aged 21 to 60; self-employed applicants aged 21 to 65 need an ITR.
Full details: Kiwi RuPay Credit Card (PNB) · Tata Neu Plus HDFC Bank Credit Card · find the card that fits your spending
Last verified 18 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.