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HSBC Visa Platinum vs HDFC Tata Neu Credit Card [2025] – Which One Should You Choose?
Q: Which is better – HSBC Visa Platinum or HDFC Tata Neu Credit Card?
A: If you want a lifetime free credit card with basic rewards and air mile conversion, HSBC Visa Platinum is a solid choice. If you regularly shop in the Tata ecosystem (Croma, Tata Cliq, Air India, BigBasket) and want higher rewards plus lounge access, HDFC Tata Neu Infinity is better. Tata Neu Plus offers a balanced mid-tier option with lower fees.
Introduction
Credit card users in India often face a tough choice between free lifetime cards and premium reward cards. The HSBC Visa Platinum Credit Card is a fee-free card that offers simple rewards, fuel surcharge waivers, and global acceptance. On the other hand, the HDFC Tata Neu Credit Cards (Plus & Infinity variants) provide strong cashback in the form of NeuCoins, especially for Tata brand purchases, along with travel perks.
In this detailed comparison, we break down fees, rewards, welcome benefits, lounge access, redemption options, and ideal use cases so you can decide which card suits your spending style.
1. Fees & Charges
| Feature | HSBC Visa Platinum | HDFC Tata Neu Plus | HDFC Tata Neu Infinity |
|---|---|---|---|
| Joining Fee | ₹0 | ₹499 + GST | ₹1,499 + GST |
| Annual Fee | ₹0 (Lifetime Free) | ₹499 (waived on ₹1L annual spend) | ₹1,499 (waived on ₹3L annual spend) |
Verdict: If you want zero fees, HSBC Visa Platinum wins. If you can meet the spend requirement, Tata Neu Plus is also effectively free.
2. Rewards Program
HSBC Visa Platinum:
- 2 Reward Points per ₹150 spent
- 5X rewards on spends above ₹4L annually (max 15,000 points)
- Points value: ~₹0.20 each
HDFC Tata Neu Plus:
- 2% back in NeuCoins on Tata brands
- 1% back in NeuCoins on other spends
- UPI transactions: 1% capped
HDFC Tata Neu :
- 5% back in NeuCoins on Tata brands
- 1.5% back in NeuCoins on other spends
- Higher caps for UPI & category spends
Verdict: Tata Neu Infinity delivers the highest reward rate if you spend heavily on Tata brands. HSBC is more generic.
3. Welcome Benefits
- HSBC Visa Platinum: Amazon/Swiggy vouchers worth ₹500 on first transaction + spend-based cashback
- HDFC Tata Neu Plus: 499 NeuCoins (~₹499)
- HDFC Tata Neu Infinity: 1,499 NeuCoins (~₹1,499)
4. Lounge Access
- HSBC Visa Platinum: None
- HDFC Tata Neu Plus: No lounge access
- HDFC Tata Neu Infinity: Domestic & international lounge access via Priority Pass (based on milestone spends)
Verdict: For frequent flyers, Tata Neu Infinity is the clear winner.
5. Fuel Surcharge Waiver
- HSBC Visa Platinum: 1% waiver up to ₹3,000/year
- HDFC Tata Neu Plus: 1% waiver up to ₹250/month
- HDFC Tata Neu Infinity: 1% waiver up to ₹500/month
6. Redemption Options
- HSBC Visa Platinum: Redeem for vouchers, air miles (2:1), or merchandise
- HDFC Tata Neu Cards: Redeem NeuCoins on Tata Neu app for electronics, fashion, travel, groceries, etc.
Which Card Should You Choose?
- Choose HSBC Visa Platinum if:
- You want a lifetime free card
- You value air mile conversion
- You don’t care about lounge access
- You want simple, easy-to-maintain rewards
- Choose HDFC Tata Neu Plus if:
- You want low annual fee
- You shop occasionally in Tata ecosystem
- You want slightly better rewards than generic cards
- Choose HDFC Tata Neu Infinity if:
- You shop heavily in Tata brands
- You want lounge access & higher cashback
- You can meet the annual spend to waive fees
Internal Links for CardMela
- Apply Credit Card Online in India
- Best Cashback Credit Cards in India 2025
- HDFC Credit Cards – Full List & Benefits
- HSBC Credit Cards – Full List & Benefits
FAQs
Q1: Does HSBC Visa Platinum offer airport lounge access?
No, HSBC Visa Platinum does not provide airport lounge benefits.
Q2: Can Tata NeuCoins be converted to cash?
No, NeuCoins can only be redeemed within the Tata ecosystem.
Q3: Which card is better for online shopping?
If your purchases are from Tata brands (Croma, Tata Cliq, BigBasket), Tata Neu Infinity gives better rewards. For generic shopping, HSBC Visa Platinum is simpler.
Q4: Is Tata Neu Infinity worth the fee?
Yes, if you spend enough to waive the fee and want lounge access + higher rewards.
Final Verdict:
If you want a no-cost, beginner-friendly card, go for HSBC Visa Platinum. If you are a Tata ecosystem loyalist or frequent traveler, Tata Neu Infinity offers unmatched value in 2025.
Author Bio:
Rubaani Pearl is a Senior Editor and Credit Card Researcher at CardMela.com, helping 10,000+ users make smarter financial choices. With deep insights into India’s card ecosystem, she writes detailed guides backed by real data and user behaviour trends.
Whether you’re looking for cashback, travel rewards, fuel savings, or lifetime free cards — CardMela helps you compare, analyze, and choose the credit card that fits your lifestyle perfectly. We partner with leading partners to bring you exclusive offers and detailed insights, so you can make smart financial decisions with confidence.
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