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Tata Neu Plus HDFC Bank vs YES BANK POP-CLUB Credit Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

Tata Neu Plus HDFC Bank Credit Card versus YES BANK POP-CLUB Credit Card compared
FeatureTata Neu Plus HDFC Bank Credit CardTata Neu Plus HDFC Bank Credit CardHDFC Bank6 recent changes →
YES BANK POP-CLUB Credit CardYES BANK POP-CLUB Credit CardPOP CLUB, issued by Yes Bank4 recent changes →
Rewards by spend
Rewards1% on most spends; 2% only at partner merchants0.2% base, up to 1% on online shopping
UPI payments (scan and pay)same1%1%
Online shopping1%; 2% only at Tata Neu, BigBasket, Croma, Tata CLiQ, 1mg1%
Dining and food delivery1%0.2%
Groceries1%0.2%
Travel: flights, hotels, trains1%0.2%
FuelsameEarns nothingEarns nothing
Bills and recharges1%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums1%; 1% only at LIC and other insurers, paid via bill payments on the Tata Neu appEarns nothing
School and college fees1%Earns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1%0.2%
Everything else1%0.2%
Card identity
Card typesameShoppingShopping
NetworksameRuPayRuPay
Card tierMidEntry
Fees
Joining fee₹499 + GSTFree
Annual fee₹499 + GST₹399 + GST
First year freeNoYes
Fee waived at₹1,00,000₹1,50,000
Welcome benefit-Earn 500 POPcoins on activating the POP CLUB Credit Card
Eligibility
Min agesame21 years21 years
Max agesame60 years60 years
Employment type-BOTH
Min monthly salarysame₹25,000₹25,000
Rewards
Reward typesameReward pointsReward points
Point value₹1₹0
Fuel surcharge
Fuel waiver cap₹250₹100
Lounge access
Domestic lounge visits4-
International lounge visits0-
Lounge conditionSpend Rs 50,000 in the same quarter for domestic lounge access-
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPIsameYesYes
Interest and charges
Interest rate (monthly)3.75%3.99%
Interest rate (annual)45%47.88%
Page content
Eligibility-Age: 21 to 60 years Min. income: ₹25,000/mo
Documents needed-PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed)
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

Tata Neu Plus HDFC Bank Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400
YES BANK POP-CLUB Credit Card
Rewards a year
₹960
Fee a year
₹0
You keep
₹960

At this spend, Tata Neu Plus HDFC Bank Credit Card comes out ₹1,440 a year ahead of YES BANK POP-CLUB Credit Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

Tata Neu Plus HDFC Bank Credit Card
  • Tata Neu app users
  • UPI users wanting a RuPay card
  • Beginners wanting a low-fee card
YES BANK POP-CLUB Credit Card
  • Young online shoppers
  • UPI users wanting a low-cost card
  • First-time card users

Watch-Outs

Tata Neu Plus HDFC Bank Credit Card
  • NeuCoins expire in 12 months and work only on Tata
  • No rewards on fuel, rent, wallets or gift cards
  • Lounge visits need Rs 50,000 quarterly spend
YES BANK POP-CLUB Credit Card
  • Very low earn on offline spends
  • Monthly cap on online rewards
  • 3.5% forex fee

Card data sourced via CardAdvisor.in (Tata Neu Plus HDFC Bank Credit Card, YES BANK POP-CLUB Credit Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, Tata Neu Plus HDFC Bank Credit Card or YES BANK POP-CLUB Credit Card?

YES BANK POP-CLUB Credit Card. YES BANK POP-CLUB Credit Card: ₹399; Tata Neu Plus HDFC Bank Credit Card: ₹499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Tata Neu Plus HDFC Bank Credit Card has the lowest forex markup. Tata Neu Plus HDFC Bank Credit Card: 3.5%; YES BANK POP-CLUB Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Tata Neu Plus HDFC Bank Credit Card 1%, YES BANK POP-CLUB Credit Card 0.2%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Which is easier to get?

By stated minimum monthly income: Tata Neu Plus HDFC Bank Credit Card ₹25,000, YES BANK POP-CLUB Credit Card ₹25,000. Banks also weigh your credit score and existing relationship, so meeting the income is not a guarantee.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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