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

Tata Neu Infinity SBI Card has lower forex markup (1.99% vs 2%).

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

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

Which card offers better lounge access?

Tata Neu Infinity HDFC Bank Credit Card: 2 per quarter domestic lounge. Tata Neu Infinity SBI Card: 2 domestic + 1 international lounge visits/quarter.

Which card has a higher base reward rate?

Both cards have similar conservative base reward value (~1.5%).

Pairwise comparison Compare 3+ cards →

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

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

Tata Neu Infinity RuPay

Tata Neu Infinity

The short answer

Verdict

No decisive winner on the core dimensions — the head-to-head below shows where the small differences are.

Head-to-head

Three core metrics

Annual fee

Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spend

Tata Neu Infinity ₹1,499 Waivable at ₹3,00,000 spend
Forex markup

Tata Neu Infinity RuPay 2%

Tata Neu Infinity 1.99%

Tata Neu Infinity saves ~₹10 per ₹1L abroad
Domestic lounge

Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter

Tata Neu Infinity 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)

Reward earning explained

Per card

Tata Neu Infinity RuPay

1.5 NeuCoins / ₹100 · 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ

Strong data

Tata Neu Infinity

1.5 NeuCoins / ₹100 · Up to 10 NeuCoins / ₹100 on Tata Neu Select Accelerated

Strong 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 Tata Neu Infinity: ₹1,499), forex markup (2% vs 1.99%), or lounge access (8/year (2 per quarter) vs 8/year (2 per quarter)).

Travel Tie

Both cards are similar for travel

Forex markup is 2%. Forex markup is 1.99%.
Forex markup Tie

Both cards are similar for forex

Forex markup is 2%. Forex markup is 1.99%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 2 per quarter.
Rewards Tie

Both cards are similar for rewards

HDFC Bank Tata Neu Infinity RuPay conservative base value ~1.5% vs SBI Card Tata Neu Infinity's ~1.5%. SBI Card Tata Neu Infinity conservative base value ~1.5% vs HDFC Bank Tata Neu Infinity RuPay's ~1.5%.
upi Tie

Both cards are similar for UPI usage

Supports UPI via RuPay network.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Tata Neu Infinity HDFC Bank: ~₹750/month at base rate
Tata Neu Infinity SBI Card: ~₹750/month at base rate

Illustrative only, using current base rates before caps.

Field	Tata Neu Infinity RuPay HDFC Bank	Tata Neu Infinity SBI Card
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
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats	8/year (2 per quarter)	8/year (2 per quarter)
International lounge visits Not included vs 1 per quarter	No international lounge access	1 per quarter
Forex / International Use
Forex markup Same forex; compare fee and lounge rows. 2% vs 1.99%	2%	1.99%
Fees
Recurring annual fee	₹1,499	₹1,499
First-year cost Only available for Tata Neu Infinity HDFC Bank	₹1,499	Not specified
Annual-fee waiver ₹3,00,000 or more vs ₹3,00,000	₹3,00,000 or more	₹3,00,000
Monthly interest rate	3.75% / month	3.75% / 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	1.5 NeuCoins / ₹100	1.5 NeuCoins / ₹100
Conservative base value	~1.5%	~1.5%
Earn ceiling	2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend	2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid.	₹1	₹1
Point validity 1 year vs 2 years	1 year	2 years

Notes

Tata Neu Infinity HDFC Bank Credit Card: Condition: ₹50,000 spend in the calendar quarter
Tata Neu Infinity SBI Card: Condition: ₹75,000 spend in the previous calendar quarter (unlocks the following 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

SBI Card Tata Neu Infinity

Verify with issuer