1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
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HDFC Tata Neu Infinity RuPay vs SBM Niyo Global
Side-by-side comparison of the HDFC Bank Tata Neu Infinity RuPay and the SBM Bank (India) Niyo Global. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
Pick Tata Neu Infinity RuPay for UPI payments.
Pick Niyo Global for spending abroad.
Niyo Global costs ₹1,499 less a year.
Head-to-head
- Annual fee Annual fee outcome: tie. ₹1,499/yr apart · waiver gates differTata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spendNiyo Global ₹0
- Forex markup Forex markup outcome: Niyo Global wins. Niyo Global saves ~₹2,000 per ₹1L abroadTata Neu Infinity RuPay 2%Niyo Global 0%
- Domestic lounge Domestic lounge outcome: insufficient data to compare. Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarterNiyo Global Not specified
- Rewards Rewards outcome: insufficient data to compare. conservative base valueTata Neu Infinity RuPay ~1.5%Niyo Global Not specified
- UPI payments UPI payments outcome: Tata Neu Infinity RuPay wins. Tata Neu Infinity RuPay Supports UPINiyo Global No UPI support
Reward earning explained
Example usage at this monthly spend
At ₹50k/month spend:
- Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
- Niyo Global SBM: Base earn not clearly specified
Illustrative only, using current base rates before caps.
All fields
| Field | Tata Neu Infinity RuPay HDFC Bank | Niyo Global SBM Bank (India) |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats Only available for Tata Neu Infinity HDFC Bank | 8/year (2 per quarter) | Not specified |
| International lounge visits Only available for Tata Neu Infinity HDFC Bank | No international lounge access | Not specified |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 2% vs 0% | 2% | 0% |
| Fees | ||
| Recurring annual fee ₹1,499 vs ₹0 | ₹1,499 | ₹0 |
| First-year cost Only available for Tata Neu Infinity HDFC Bank | ₹1,499 | Not specified |
| Annual-fee waiver Only available for Tata Neu Infinity HDFC Bank | ₹3,00,000 or more | Not specified |
| Interest-free period Up to 50 days vs Up to 45 days | Up to 50 days | Up to 45 days |
| Monthly interest rate 3.75% / month vs 3% / month | 3.75% / month | 3% / month |
| Late-payment charge Only available for Tata Neu Infinity HDFC Bank | ₹100–₹1,300 depending on outstanding balance | Not specified |
| Fuel benefit Only available for Tata Neu Infinity HDFC Bank | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹500/month waiver cap | Not specified |
| Rewards | ||
| Points per ₹100 Only available for Tata Neu Infinity HDFC Bank | 1.5 NeuCoins / ₹100 | Not specified |
| Conservative base value Only available for Tata Neu Infinity HDFC Bank | ~1.5% | Not specified |
| Earn ceiling 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend vs Not stated | 2,000 NeuCoins per month at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend | Not stated |
| Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. Only available for Tata Neu Infinity HDFC Bank | ₹1 | Not specified |
| Point validity Only available for Tata Neu Infinity HDFC Bank | 1 year | Not specified |
| Insurance — Air accident cover Only available for Tata Neu Infinity HDFC Bank | ₹1 crore | Not specified |
| Insurance — Emergency medical cover Only available for Tata Neu Infinity HDFC Bank | ₹15 lakh | Not specified |
| Insurance — Lost card liability cover Only available for Tata Neu Infinity HDFC Bank | ₹9 lakh | Not specified |
| Insurance — Underwriter Only available for Tata Neu Infinity HDFC Bank | Insured by HDFC ERGO General Insurance Company Limited | Not specified |
Notes
- Tata Neu Infinity HDFC Bank Credit Card: Condition: ₹50,000 spend in the calendar quarter
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
HDFC Bank Tata Neu Infinity RuPay
Verify with issuer , opens external siteSBM Bank (India) Niyo Global