Tata Neu Infinity HDFC Bank vs Tata Neu Infinity SBI Card

Reviewed by Chandan Kumar Dash

Both have the same annual fee, ₹1,499. Tata Neu Infinity HDFC Bank waives its fee on ₹3,00,000 of spend a year; Tata Neu Infinity SBI Card waives its fee on ₹3,00,000 of spend a year. For spends abroad, Tata Neu Infinity SBI Card charges the lower forex markup (1.99% plus GST). The two cards net the same on all three sample spends. The Saifu app works it out on your own spends, on your phone.

Feature	Tata Neu Infinity HDFC BankHDFC0 wins	Tata Neu Infinity SBI CardSBI Card1 win · ahead
Annual fee	₹1,499	₹1,499
Joining fee	₹1,499	₹1,499
Fee waiver	Waived on ₹3,00,000 spend a year	Waived on ₹3,00,000 spend a year
Rewards	5% NeuCoins on Tata Neu and partner Tata brand spends; 1.5% NeuCoins on other non-UPI spends	5% back as NeuCoins on Tata Neu and partner Tata brands (non-EMI), 1.5% on non-Tata UPI spends (RuPay)
Airport lounges	2 a quarter domestic, 4 a year international	8 a year domestic, 4 a year international
Forex markup	2% plus GST	Lower1.99% plus GST
Points	NeuCoins, about ₹1 a point	NeuCoins, about ₹1 a point
Published minimum income and age	Salaried ₹12,00,000 a year, self-employed ₹12,00,000 a year, age 21 to 60	Not published
Network	Visa / RuPay	Visa
Apply	ApplyAffiliate link	ApplyAffiliate link

Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.

What each card earns in a year

Sample spender	Tata Neu Infinity HDFC Bank	Tata Neu Infinity SBI Card
Everyday spender₹30,000 a month	₹5,700 a year₹5,700 rewards, no fee to pay	₹5,700 a year₹5,700 rewards, no fee to pay
Online shopper₹50,000 a month	₹9,000 a year₹9,000 rewards, no fee to pay	₹9,000 a year₹9,000 rewards, no fee to pay
Frequent traveller₹1,00,000 a month	₹17,100 a year₹17,100 rewards, no fee to pay	₹17,100 a year₹17,100 rewards, no fee to pay

The sample spends and how this is worked out

Everyday spender, ₹30,000 a month: DMart ₹6,000, BigBasket ₹2,000, Swiggy ₹2,000, Zomato ₹1,500, Amazon ₹3,000, Flipkart ₹1,500, Bills paid on Google Pay ₹2,500, Airtel ₹1,000, Indian Oil ₹3,000, Restaurant (in person) ₹2,500, Uber ₹1,000, Other spends in shops ₹4,000.
Online shopper, ₹50,000 a month: Amazon ₹10,000, Flipkart ₹8,000, Myntra ₹3,000, Swiggy ₹4,000, Zomato ₹3,000, Blinkit ₹4,000, BookMyShow ₹1,500, Uber ₹2,000, Bills paid on Google Pay ₹3,000, Jio ₹1,000, Netflix ₹500, Restaurant (in person) ₹3,000, Other spends in shops ₹7,000.
Frequent traveller, ₹1,00,000 a month: MakeMyTrip ₹10,000, Cleartrip ₹5,000, IRCTC ₹2,000, IndiGo ₹10,000, Marriott Bonvoy hotels ₹8,000, Spends abroad ₹15,000, Uber ₹4,000, Restaurant (in person) ₹8,000, Amazon ₹10,000, Swiggy ₹5,000, DMart ₹8,000, Bills paid on Google Pay ₹4,000, Indian Oil ₹5,000, Other spends in shops ₹6,000.

Worked out with the same reward rules and caps the Saifu app uses. Points are counted at the cash value in the table above. The annual fee counts as waived when the spend reaches the waiver. Joining fees, welcome gifts and milestone vouchers are not counted. Your own spends will give different figures.

Common questions

Which is better, Tata Neu Infinity HDFC Bank or Tata Neu Infinity SBI Card?

The two cards net the same on all three sample spends. It depends on where you spend: compare the figures for the sample spender closest to you, or add your own spends in the Saifu app.

Which has the lower annual fee?

Both charge ₹1,499 a year.

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