Find my best card →
faayda.com › compare › Tata Neu Plus HDFC vs YES Bank ACE
Comparison · हिन्दी

Tata Neu Plus HDFC vs YES Bank ACE

Both cards compared on real rupee returns for Tata Neu Plus vs YES Ace which better shopping credit card India. We ran the numbers so you can make the right call.

Last updated: October 2026 · Based on current card terms
HDFC
NEU PLUS
ASHOK KUMAR
VS
YES
ACE
ASHOK KUMAR
Our verdict
Tata Neu Plus HDFC Credit Card wins for most people
Card A wins with ₹1,661 annual benefit versus Card B's ₹821. The Tata Neu Plus delivers superior rewards on your shopping and dining spend, easily offsetting its fee through the NeuPass ecosystem.
Side-by-side comparison
Tata Neu Plus HDFC Credit Card ✓ YES Bank ACE Credit Card
Annual benefit ₹1,661 ₹821
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹499 + taxes (waived on ₹1,00,000/year spend) ₹499 + GST joining (reversed on ₹5,000 spend in first month); ₹499 + GST renewal (reversed on ₹50,000 spend in preceding 12 months)
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 7% NeuCoins on Tata Neu (2% base + 5% with NeuPass); 1% on all other spends 8 YES Rewardz per ₹200 on online shopping, except select categories (effective 1%); 4 YES Rewardz per ₹200 on offline shopping, except select categories (effective 0.5%); 2 YES Rewardz per ₹200 on select categories (effective 0.25%); 1 RP = ₹0.25
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 4 domestic visits/year (on ₹50,000/quarter spend) None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 3.5%
Best for Tata ecosystem shoppers, BigBasket, Croma, Westside, Tata 1mg Everyday online shoppers wanting a low-fee, easily-waived entry card with a straightforward tiered reward structure
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried) ₹25,000/month net salary or ITR of ₹7.5L+ (salaried or self-employed); not eligible if you already hold a YES Bank credit card
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+ 700+ (general YES Bank baseline, not confirmed specific to this card)
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
Tata Neu Plus HDFC Credit Card
Choose Card A if you shop at Tata ecosystem brands (Croma, Westside, BigBasket) or frequent Tata 1mg. The 7% NeuCoins redemption rate significantly outpaces Card B for these categories.
YES Bank ACE Credit Card
Card B suits you if you primarily shop online on non-Tata platforms and want minimal fee hassles. Its straightforward 1% online reward is cleaner but yields lower overall value for your profile.
Who should get which card
Get Tata Neu Plus HDFC if you…
· Shop regularly at Tata Neu ecosystem (Croma, Westside, BigBasket, Tata 1mg)
· Value 7% NeuCoins rewards on partner spending
· Can easily hit ₹1,00,000 annual spend threshold to waive ₹499 fee
Get YES Bank ACE if you…
· Prefer online shopping on non-Tata platforms
· Want a straightforward, simple reward structure
· Value easily reversible joining fees with minimal spend requirements
Partner offer
Axis Bank Select Credit Card
Higher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spends
Apply now →
AXIS
ASHOK KUMAR

See which card suits your exact spending

Get a personalised rupee estimate based on how you actually spend

Try the tool →

Already have one of these cards?

Upload your credit card statement. We'll show your real cashback, catch subscriptions, and flag if you're leaving money on the table

Analyse my statement →
Related guides
YES Bank ACE vs Tata Neu Infinity SBI Card →Tata Neu Plus HDFC vs PhonePe HDFC Bank Ultimo →Tata Neu Infinity HDFC vs Tata Neu Plus HDFC →Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →
Frequently asked questions
Based on our analysis, Tata Neu Plus HDFC Credit Card offers better annual returns for most spend profiles.
Tata Neu Plus HDFC Credit Card has an annual fee of ₹499 + taxes (waived on ₹1,00,000/year spend). YES Bank ACE Credit Card has an annual fee of ₹499 + GST joining (reversed on ₹5,000 spend in first month); ₹499 + GST renewal (reversed on ₹50,000 spend in preceding 12 months).
Tata Neu Plus HDFC Credit Card offers 7% NeuCoins on Tata Neu (2% base + 5% with NeuPass); 1% on all other spends. YES Bank ACE Credit Card offers 8 YES Rewardz per ₹200 on online shopping, except select categories (effective 1%); 4 YES Rewardz per ₹200 on offline shopping, except select categories (effective 0.5%); 2 YES Rewardz per ₹200 on select categories (effective 0.25%); 1 RP = ₹0.25.
Tata Neu Plus HDFC Credit Card lounge access: 4 domestic visits/year (on ₹50,000/quarter spend). YES Bank ACE Credit Card lounge access: None.
Tata Neu Plus HDFC Credit Card charges 3.5% forex markup. YES Bank ACE Credit Card charges 3.5% forex markup.