Tata Neu Plus Hdfc Bank Credit CardJammu & Kashmir Bank Smart Cashback Credit Card

Side-by-side comparison of fees, rewards, benefits & more

Tata Neu Plus Hdfc Bank Credit Card

HDFC Bank

3.5/5

Recommended

Jammu & Kashmir Bank Smart Cashback Credit Card

Jammu & Kashmir Bank

4.7/5

Recommended

Feature

Tata Neu Plus Hdfc Bank Credit Card

Jammu & Kashmir Bank Smart Cashback Credit Card

Bank / Issuer

HDFC Bank

Jammu & Kashmir Bank

Card Network

Rupay

RuPay

Card Type

premium

Entry

Annual Fee

₹499 + GST

Joining Fee

—

₹499 + GST

First Year Fee

NIL

₹499 + GST

Fee Waiver Condition

Waived on spending ₹1,00,000 or more in the previous year

Spend ₹1 lakh in a year

Contactless Payment

Effectively Free

Jammu & Kashmir Bank Smart Cashback Credit Card — Key Features

Cashback credited monthly
Milestone spend fee waiver

Jammu & Kashmir Bank Smart Cashback Credit Card — Benefits

Easy-to-track savings on regular expenses

Fee & Charges Summary

Tata Neu Plus Hdfc Bank Credit Card

Interest Rate	3.6% per month (43.2% per annum)
Cash Advance Fee	2.5% or ₹500
Add-on Card Fee	Lifetime Free
Rewards Redemption Fee	₹99 per redemption request

Jammu & Kashmir Bank Smart Cashback Credit Card

Interest	3.6% per month
Late Payment Fee	As per statement amount slab

Tata Neu Plus Hdfc Bank Credit Card — Highlights

2% back as NeuCoins on non-EMI spends at partner Tata Brands
Additional 5% back as NeuCoins on Tata Neu App/Website
1% back as NeuCoins on non-Tata brands and Merchant EMI spends
1% back as NeuCoins on UPI spends
1% Fuel Surcharge Waiver (on transactions between ₹400 and ₹5,000)

Jammu & Kashmir Bank Smart Cashback Credit Card — Highlights

Flat cashback on eligible spends
Extra benefits on utility payments

Frequently Asked Questions

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