super.money RuPay vs Tata Neu Infinity HDFC
super.money RuPay is better for upi scan & pay, while Tata Neu Infinity HDFC wins on online shopping, groceries, food delivery & dining. super.money RuPay is cheaper to keep (lifetime free).
super.money
super.money RuPay Credit Card
•••• 6955RuPay
HDFC Bank
Tata Neu Infinity HDFC Bank
•••• 7749RuPay / Visa
| super.money RuPay Credit Card | Tata Neu Infinity HDFC Bank | |
|---|---|---|
| Issuer | Axis Bank | HDFC Bank |
| Network | RuPay | RuPay / Visa |
| Best for | UPI cashback | UPI + Tata brands |
| Headline benefit | 3% on UPI | 5% on Tata brands |
| Joining fee | Free | ₹1,499 |
| Annual fee | Free | ₹1,499 |
| Fee waiver | Not needed | ₹3,00,000 spend |
| Works on UPI | Yes | Yes |
| Lounge access | None | Domestic + international |
| Online shopping rewards | 1% | 1.5% |
| Groceries rewards | 1% | 5% |
| Food delivery & dining rewards | 1% | 1.5% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | 2% | 1.5% |
| Bills & recharges rewards | 1% | 1.5% |
| Travel & flights rewards | 1% | 1.5% |
| Everything else rewards | 1% | 1.5% |
| Apply now | Apply now |
Choose super.money RuPay if…
- One of the highest UPI cashback rates
- Lifetime free
- Unlimited 1% on everything else
Watch out for
- 3% is capped by what you earn at 1%
- No cashback on transactions under ₹100
- Best rate only inside the super.money app
Choose Tata Neu Infinity HDFC if…
- Strong rewards across Tata brands
- Rewards on UPI with the RuPay variant
- Lounge access included
Watch out for
- NeuCoins only usable within Tata brands
- UPI via other apps earns just 0.5%
- ₹1,499 fee unless you spend ₹3 lakh
Verdict
super.money RuPay is better for upi scan & pay, while Tata Neu Infinity HDFC wins on online shopping, groceries, food delivery & dining. super.money RuPay is cheaper to keep (lifetime free). Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.