What are the annual fees for Tata Neu Infinity HDFC Bank Credit Card and YES Bank RESERV Credit Card?

Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. YES Bank RESERV Credit Card has ₹2,499 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Tata Neu Infinity HDFC Bank Credit Card earns about 1.5% on general spends; YES Bank RESERV Credit Card earns about 1.2%. Category and partner rates may differ — see the table above.

Do online and offline rewards differ between them?

Tata Neu Infinity HDFC Bank Credit Card: same rate online and offline. YES Bank RESERV Credit Card: 2.4% online / 1.2% offline.

What is the forex markup on each card?

Tata Neu Infinity HDFC Bank Credit Card: 2%. YES Bank RESERV Credit Card: 1.75% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Tata Neu Infinity HDFC Bank Credit Card: yes — see the lounge row above for limits. YES Bank RESERV Credit Card: yes — see the lounge row above for limits.

Card Comparison

Tata Neu Infinity HDFC vs YES RESERV

Tata Neu Infinity HDFC vs YES RESERVcompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Tata Neu Infinity HDFC Bank

HDFC Bank

Fee₹1,499+GST

Eff. rate1.5%

CapCategory

Fee

₹1,499+GST

Eff. rate

1.5%

Cap

How they compare

Tata Neu Infinity HDFC and YES RESERV suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1.5% vs 1.2% effective rate. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Tata Neu Infinity HDFC

Annual fee: ₹1,499 + GST
Everyday rate: 1.5%
Monthly cap: No cap

Notable strengths

Bonus rewards on Tata Neu (up to 5%)
No monthly reward cap

YES RESERV

Annual fee: ₹2,499 + GST
Everyday rate: 1.2%
Monthly cap: ₹36,000/mo

Notable strengths

Low forex markup (1.8%)

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

48 specs · 13 sections

Tata Neu Infinity HDFC Bank

YES Bank RESERV

Feature

Tata Neu Infinity HDFC Bank

YES Bank RESERV

Annual Fee

₹1,499

₹2,499

Joining Fee

₹1,499

₹2,499

Fee Waiver Spend

₹3,00,000

Forex Markup

1.75%

Reward Type

NeuCoins

Reward Points

Base Rate

1.5%

1.2%

Online Rate

—

2.4%

Offline Rate

—

1.2%

Effective Base Rate

1.5%

1.2%

Point Value

₹1

₹0.2

Redemption Quality

HIGH

LOW

Best Redemption

₹1

₹0.2

Worst Redemption

₹1

₹0.1

Tata Brands

—

Tata Neu

—

Grocery / Supermarkets

1.5%

2.4% online / 1.2% offline

Fuel / Petrol / Diesel / CNG

0% (Excluded)

1.2%

Restaurants / Dine-in

1.5%

2.4% online / 1.2% offline

Flights, Hotels, OTAs, Tour Operators

1.5%

2.4% online / 1.2% offline

Other Retail / Catch-all

1.5%

2.4% online / 1.2% offline

Monthly Cap

Category caps apply

₹36,000

Est. Annual Cap

Category caps apply

₹4,32,000

Total Excluded

5 categories

0 categories

Fuel / Petrol / Diesel / CNG

Excluded

Earns rewards

Rent Payments

Excluded

Earns rewards

Government / Tax Payments

Excluded

Earns rewards

Online Gaming / Betting

Excluded

Earns rewards

Wallet / Prepaid Instrument Loading

Excluded

Earns rewards

Domestic Visits/Year

None

International Visits/Year

None

Priority Pass

Yes

Est. Annual Value

₹6,820

—

Forex Markup

1.75%

Description

1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance.

—

Estimated Value

₹1,499

—

Fuel Surcharge Waiver

Yes

Best Suited For

Tata Ecosystem Shopping, Lifestyle Rewards

Travel, Shopping

Min Income

₹1,00,000/month

₹2,00,000/month

Income Proof

Not required

Required

Secured FD

Available

Accepting Applications

Yes

Network

Visa, RuPay

Visa, Mastercard

Card Tier

Gold

Still weighing your options?

Other popular matchups to line up against your shortlist.

Frequently asked questions

What are the annual fees for Tata Neu Infinity HDFC Bank Credit Card and YES Bank RESERV Credit Card?: Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. YES Bank RESERV Credit Card has ₹2,499 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Tata Neu Infinity HDFC Bank Credit Card earns about 1.5% on general spends; YES Bank RESERV Credit Card earns about 1.2%. Category and partner rates may differ — see the table above.
Do online and offline rewards differ between them?: Tata Neu Infinity HDFC Bank Credit Card: same rate online and offline. YES Bank RESERV Credit Card: 2.4% online / 1.2% offline.
What is the forex markup on each card?: Tata Neu Infinity HDFC Bank Credit Card: 2%. YES Bank RESERV Credit Card: 1.75% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Tata Neu Infinity HDFC Bank Credit Card: yes — see the lounge row above for limits. YES Bank RESERV Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HDFC Bank - Tata Neu Infinity HDFC · Yes Bank - YES RESERV