Which card has a lower forex fee: Tata Neu Infinity HDFC Bank Credit Card or IRCTC SBI Card Premier?

Tata Neu Infinity HDFC Bank Credit Card has lower forex markup (2% vs 3.5%).

Which card has a lower annual fee: Tata Neu Infinity HDFC Bank Credit Card or IRCTC SBI Card Premier?

Both cards have the same annual fee (₹1,499).

Which card offers better lounge access?

Tata Neu Infinity HDFC Bank Credit Card: 2 per quarter domestic lounge. IRCTC SBI Card Premier: 8 railway lounge visits per year (max 2/quarter) — IRCTC Executive Lounges.

Which card has a higher base reward rate?

Tata Neu Infinity HDFC Bank Credit Card has higher base reward value (~5% vs ~1%).

Pairwise comparison Compare 3+ cards →

HDFC Bank Tata Neu Infinity RuPay vs SBI Card IRCTC SBI Card Premier Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the HDFC Bank Tata Neu Infinity RuPay and the SBI Card IRCTC SBI Card Premier. Verify fees, lounge access, forex markup, and base rewards before you apply.

Forex HDFC Bank Tata Neu Infinity RuPay

Quick comparison

Three core metrics

Tata Neu Infinity RuPay HDFC Bank

Annual fee ₹1,499 Waivable at ₹3,00,000 spend
Forex markup 2%
Domestic lounge 2/quarter Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

IRCTC SBI Card Premier SBI Card

Annual fee ₹1,499 Waivable at ₹2,00,000 spend
Forex markup 3.5%
Domestic lounge 8/year railway

Reward earning explained

Per card

Tata Neu Infinity RuPay

5 NeuCoins / ₹100 on General spend

Limited data

IRCTC SBI Card Premier

10 pts / ₹100 on IRCTC (domestic) (Up to 10% value back on AC1, AC2 and AC Chai…

Limited data

Pick based on what matters

5 dimensions

Start with the constraint you care about most: annual fee (HDFC Bank Tata Neu Infinity RuPay: ₹1,499 vs SBI Card IRCTC SBI Card Premier: ₹1,499), forex markup (2% vs 3.5%), or lounge access (2/quarter vs 8/year railway).

Travel Insufficient data

Insufficient data to compare travel

Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Forex markup is 2%.

Tata Neu Infinity RuPay: Limited data IRCTC SBI Card Premier: Limited data
Forex markup HDFC Bank Tata Neu Infinity RuPay wins

HDFC Bank Tata Neu Infinity RuPay is better for forex

HDFC Bank Tata Neu Infinity RuPay is stronger here. Forex markup is 2%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter. Domestic lounge access is no airport lounge access.
Rewards Insufficient data

Insufficient data to compare rewards

Only HDFC Bank Tata Neu Infinity RuPay has comparable evidence here. Estimated base reward value is ~5% on base spend.

Tata Neu Infinity RuPay: Limited data IRCTC SBI Card Premier: Limited data
upi Tie

Both cards are similar for UPI usage

Supports UPI via RuPay network.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹2,500/month at base rate
IRCTC SBI Card Premier: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Tata Neu Infinity RuPay HDFC Bank	IRCTC SBI Card Premier SBI Card
Lounge Access
Domestic lounge visits 2/quarter vs 8/year railway	2/quarter	8/year railway
International lounge visits Only available for Tata Neu Infinity HDFC Bank	4/year	Not specified
Forex / International Use
Forex markup Source agreement differs — verify both. 2% vs 3.5%	2%	3.5%
Fees
Annual fee	₹1,499	₹1,499
Joining fee	₹1,499	₹1,499
Fee waiver spend ₹3,00,000 vs ₹2,00,000	₹3,00,000	₹2,00,000
Rewards
Points per ₹100 5 pts vs 1 pts	5 pts	1 pts
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid.	₹1	₹1

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.