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 SBI Tata Neu Infinity
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.
The short answer
No decisive winner on the core dimensions — the head-to-head below shows where the small differences are.
Head-to-head
- Annual fee Annual fee outcome: tie. Tata Neu Infinity RuPay ₹1,499 Waivable at ₹3,00,000 or more spendTata Neu Infinity ₹1,499 Waivable at ₹3,00,000 spend
- Forex markup Forex markup outcome: tie. TieTata Neu Infinity RuPay 2%Tata Neu Infinity 1.99%
- Domestic lounge Domestic lounge outcome: tie. Tata Neu Infinity RuPay 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarterTata Neu Infinity 8/year (2 per quarter) Conditional · Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter (unlocks the following quarter)
- Rewards Rewards outcome: tie. conservative base valueTata Neu Infinity RuPay ~1.5%Tata Neu Infinity ~1.5%
- UPI payments UPI payments outcome: tie. Tata Neu Infinity RuPay Supports UPITata Neu Infinity Supports UPI
Reward earning explained
1.5 NeuCoins / ₹100 · Up to 10 NeuCoins / ₹100 on Tata Neu Select Accelerated
Strong dataExample 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.
All fields
| Field | Tata Neu Infinity RuPay HDFC Bank | Tata Neu Infinity SBI Card |
|---|---|---|
| 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 | ₹100–₹1,300 depending on outstanding balance | ₹100–₹1,300 depending on outstanding balance |
| 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 |
| 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
- 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 , opens external siteSBI Card Tata Neu Infinity
Verify with issuer , opens external site