Compare Tata Neu Infinity HDFC Bank Credit Card vs Scapia Federal Bank Credit Card

In a year, spend Rs. 3,00,000 or more before the Credit Card renewal date and get the renewal fee waived off
5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month
Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
Reward points gained on Grocery transactions will be capped to 2,000 per month
Zero lost card liability
Foreign Currency Markup: 2% on all your foreign currency spends
Domestic Lounge Access – VISA / RuPay Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter). Rs. 2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access
International Lounge Access – VISA Card: By using Priority Pass avail up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter). If exceed the 4 Complimentary (1 per Quarter) visits, you will be charged at US $27 + GST per visit
International Lounge Access - RuPay: 4 Complimentary International Lounge Access per calendar year (1 per Quarter)

Zero joining and annual fees
Enjoy unlimited domestic lounge, complimentary dining, shopping or spa by spending Rs. 10,000 on VISA or Rs. 15,000 on Rupay card every month
10% reward on every eligible online and offline spend
Instant redemption on flights, hotels and buses on the Scapia app, at 1 reward = 1 Scapia Coin
Zero forex markup on all international transactions
24x7 customer service
Instant in-app repayment
Set transactions limits and manage permissions on the app
On Scapia Federal Visa Credit Card, earn 10% rewards on every purchase of Rs. 20 and above. For purchase amounts below Rs. 20, rewards will not be credited
On Scapia Federal Rupay Credit Card, earn 5% rewards on eligible spends 8 of more than 500 Rs. For purchase amounts below Rs. 500, rewards will not be credited
Earn 20% rewards on travel purchases made on the Scapia App. Rewards earned on card transactions will be converted to Scapia coins on the statement date with the conversion ratio 1 Reward = 1 Scapia Coin
Scapia coins can be accumulated and further utilised against services offered such as flights, stays, buses etc., or any other service offered by Scapia from time to time on the Scapia platform. The Scapia Coins can also be utilised against other exciting offers shown in the Scapia App from time to time
Do note for redemption against Flights & Hotel/Stay, Bus Bookings and any other services on Scapia App - 5 Scapia Coin = Rs. 1
Complimentary Access to Domestic Airport Lounge:

a. Unlimited Domestic Lounge- Condition for eligibility: Customers have to spend Rs. 10,000 on Visa Credit Card or Rs. 15,000 Rupay Credit Card in a billing cycle for unlocking this facility. They should also be Active on a monthly basis for retaining the Unlimited Domestic Lounge free access. The transactions done on specific card variant will be eligible for the respective specific variant eligibility and cannot be combined with both variants

No Cost EMI for Travel Transactions on Scapia App
1% surcharge waiver of up to Rs. 500 per month on fuel transactions worth up to Rs. 5,000

Pros

Accidental air death cover worth Rs. 1 Crore
Emergency overseas hospitalization: Up to Rs. 15 lakhs
Lost Card Liability Cover : Up to Rs. 9 lakhs
Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)

Cons