Compare Tata Neu Infinity and PNB Kiwi: eligible rewards, fee waivers, exclusions and lounge conditions. See dated issuer sources and a spending scenario.
Kiwi in this comparison means PNB Kiwi virtual RuPay, not another issuing bank or the paid Neon plan. Physical-card fees and credit-limit-linked caps are separate.
Tata Neu Infinity HDFC Bank Credit Card is a paid card focused on shopping rewards, online spending and reward points, charging ₹1,499 annually before GST.
Apply for Tata Neu Infinity →
A virtual-first RuPay card for eligible merchant UPI payments through Kiwi; physical-card charges make the selected format important.
Apply for PNB Kiwi →Issuer MITC link checked: Tata Neu Infinity: 2026-10-29, PNB Kiwi: 2026-10-29 | No Sponsored Ranking. Issuer record checked: Tata Neu Infinity: 2026-10-09, PNB Kiwi: 2026-10-29. Link checks confirm document availability, not a complete re-audit of every product rule.
CardIQ may earn a commission from a live partner application link. Compensation does not determine this comparison.
Illustration: equal eligible spending in each of 12 months / statement cycles, no refunds and no prior cap usage. Different merchant baskets may apply to each card; read both assumptions. Rewards are cash-equivalent estimates, not profit or guaranteed savings.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Reward rates, caps or redemption value are not sufficiently structured for an exact rupee estimate. This is not a zero-reward claim.
Excludes borrowing interest, redemption charges, extra transaction fees, vouchers, welcome gifts, lounge valuations, FX conversion and paid plans. Selecting Travel / Forex does not assume every travel booking is an overseas transaction. Waiver-eligible spend can differ from reward-eligible spend: this simplified scenario assumes all entered spend counts toward the displayed renewal threshold. Confirm the issuer's exact threshold boundary.
Not verified means unknown, not eligible or excluded. The sourced wording below distinguishes reward exclusions from waiver and lounge rules.
| Condition | Tata Neu Infinity HDFC Bank Credit Card | PNB Kiwi Credit Card |
|---|---|---|
| Joining fee + GST | ₹1,499 + GST (standard fee; limited-period Tata Neu waiver offer may apply) · ₹1,768.82 incl. GST | No joining fee for virtual card; physical card ₹500 + GST · ₹0.00 incl. GST |
| Renewal fee + GST | ₹1,499 + GST (waived on ₹3 lakh eligible annual spend) · ₹1,768.82 incl. GST before waiver | No annual fee for virtual card; physical card ₹750 + GST (waived on ₹1.5 lakh previous-year spend) · ₹0.00 incl. GST before waiver |
| Annual spend for renewal waiver | ₹3,00,000.00 | ₹1,50,000.00 |
| Base and accelerated rewards; caps | 1 NeuCoin has ₹1 redemption value within eligible Tata Neu services; rewards are not cash credited to your bank account. RuPay variant: 1.5% NeuCoins on eligible UPI purchases using a Tata Neu UPI ID; other UPI IDs earn 0.5%. Issuer caps apply. | Monthly Kiwis earn is capped at 1% of the credit limit under the issuer product terms. |
| Domestic/international lounges and spend conditions | 8 domestic lounge visits per year, conditional on ₹50,000 qualifying spend per calendar quarter; access terms apply. 4 international lounge visits per year, subject to access terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Forex markup (+ applicable GST) | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Annual interest rate | Not verified; consult the linked issuer MITC and your personal offer. | Not verified; consult the linked issuer MITC and your personal offer. |
| UPI Scan & Pay | RuPay variant: 1.5% NeuCoins on eligible UPI purchases using a Tata Neu UPI ID; other UPI IDs earn 0.5%. Issuer caps apply. | Not verified in the maintained record. Check the linked issuer terms. |
| Utility bills & telecom | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Insurance premiums | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Government / NPS / tax payments | 1.5% NeuCoins on other eligible purchases; wallets, fuel, rent and government payments are excluded. | Not verified in the maintained record. Check the linked issuer terms. |
| Fuel & rent | 1.5% NeuCoins on other eligible purchases; wallets, fuel, rent and government payments are excluded. | Not verified in the maintained record. Check the linked issuer terms. |
| Gold / jewellery | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| School / education | Not verified in the maintained record. Check the linked issuer terms. | Not verified in the maintained record. Check the linked issuer terms. |
| Official issuer MITC / reward documents | Issuer MITC PDF | Issuer MITC PDF |
Kiwi in this comparison means PNB Kiwi virtual RuPay, not another issuing bank or the paid Neon plan. Physical-card fees and credit-limit-linked caps are separate.
Tata Neu Infinity: ₹1,499 + GST (waived on ₹3 lakh eligible annual spend); renewal threshold ₹3,00,000.00. PNB Kiwi: No annual fee for virtual card; physical card ₹750 + GST (waived on ₹1.5 lakh previous-year spend); renewal threshold ₹1,50,000.00.
Tata Neu Infinity: 8 domestic lounge visits per year, conditional on ₹50,000 qualifying spend per calendar quarter; access terms apply. 4 international lounge visits per year, subject to access terms. PNB Kiwi: Not verified in the maintained record. Check the linked issuer terms.
The answer depends on eligible merchants, payment app, caps and reward redemption. Use a modelled scenario only where both cards have verified inputs. Unknown categories are not treated as zero rewards.
A secured or no-annual-fee card may be worth checking. These are not guaranteed or statistically high-approval offers. KYC, deposit, income and issuer conditions still apply.
No annual fee
Subject to issuer availability and approval.
Requires a fixed deposit with the issuer; approval is subject to its conditions. Resident applicants require a minimum ₹20,000 eligible fixed deposit.
Apply for IDFC FIRST WOW! →
No annual fee; currently offered lifetime-free; confirm acquisition eligibility
Subject to issuer availability and approval.
Apply for ixigo AU →