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HDFC Bank BizFirst Credit Card VS Tata Neu Infinity SBI Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Both HDFC Bank BizFirst Credit Card and Tata Neu Infinity SBI Card suit shopping-focused spenders, but they earn and cost differently. HDFC Bank BizFirst Credit Card costs ₹500 + GST and earns 3% CashPoints on EMI spends (Merchant/EasyEMI, Aggregator EMI, Brand EMI), capped at 1,000 CashPoints per calendar month. Tata Neu Infinity SBI Card costs ₹1,499 + GST and earns 5% Value Back as NeuCoins on Tata Neu App/Website & partner Tata brands; 1.5% on other spends. HDFC Bank BizFirst Credit Card also brings get a Gift voucher worth ₹250 (redeemable on Amazon, Swiggy & more) on making one transaction on your BizFirst Credit Card within, while Tata Neu Infinity SBI Card counters with 8 complimentary domestic airport lounge accesses per year (2 per quarter) on Rs. 75,000 spend. If business spending matters more, go with HDFC Bank BizFirst Credit Card; if travel is the priority, Tata Neu Infinity SBI Card fits better.

HDFC Bank BizFirst Credit Card
HDFC Bank BizFirst Credit Card
Tata Neu Infinity SBI Card
Tata Neu Infinity SBI Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹1,499 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,499 + GST
Spend Based WaiverRenewal fee waiver on annual spends of ₹50,000 or more in an anniversary year (12 billing cycles).
Spend Based WaiverAnnual Fee reversal on annual spends of Rs. 3 lakhs or more.
Foreign Transaction Fees3.5%
Foreign Transaction FeesLowest Foreign Currency Mark-up Charge of 1.99% on international usage.
Interest Rate (APR)3.75% monthly (45% annually). Enjoy up to 55 days of interest-free credit.
Interest Rate (APR)

Rewards & Benefits

Welcome BonusGet a Gift voucher worth ₹250 (redeemable on Amazon, Swiggy & more) on making one transaction on your BizFirst Credit Card within the first 37 days of card issuance.
Welcome BonusGet 1,499 NeuCoins (1 NeuCoin = Re. 1 savings) within 15 days of Joining Fee realisation.
Rewards RateEarn 3% CashPoints on EMI spends (Merchant/EasyEMI, Aggregator EMI, Brand EMI), capped at 1,000 CashPoints per calendar month. Get 2% CashPoints on Utility Bills, Electronics, SmartPay & Payzapp transactions, capped at 500 CashPoints per calendar month. Earn 1% CashPoints on all other spends, including UPI transactions, capped at 500 CashPoints per calendar month. No CashPoints on Fuel, Rent Payments, Education Transactions, Wallet/Gift/Prepaid Card loads, or voucher purchases.
Rewards RateEarn 5% Value Back as NeuCoins on Tata Neu App/Website & partner Tata brands; 1.5% on other spends.
Reward TypeReward Points
Reward TypeCashback
Reward Redemption Fee₹99 + GST
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access8 complimentary domestic airport lounge accesses per year (2 per quarter) on Rs. 75,000 spend.
International Lounge Access
International Lounge Access4 complimentary international airport lounge accesses per year (1 per quarter) with Priority Pass.
Travel BenefitsAvail Business Travel Benefits via MMT MyBiz (4% off on Flights and Hotels booking). Get up to 40% savings on Business travel via SmartBuy BizDeals.
Travel BenefitsOffers 8 domestic and 4 international lounge accesses annually, plus a low 1.99% foreign currency markup.
Movie Benefits
Movie Benefits
Dining BenefitsUp to 20% savings on dining bills via Swiggy Dineout (Flat 10% extra off at 35K+ restaurants when paying via Swiggy App).
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver (maximum ₹250 per statement cycle) on transactions between ₹400 and ₹5,000 at all fuel stations across India.
Fuel Surcharge Waiver1% waiver on transactions between Rs. 500-4,000, max waiver Rs. 500 per cycle.

Security & Other

Insurance BenefitsOptional Business Insurance package starting at an annual premium of ₹3,785, including Fire & Burglary insurance for Shop (up to ₹5 lakh), Cash in Safe/Transit (up to ₹25,000), Electronic Equipment insurance (up to ₹50,000), and Hospital Cash (Accident/Illness up to ₹1,000/day). Zero Lost Card Liability with a credit liability cover of ₹3 lakh.
Insurance Benefits
Cash Advance Charges2.5% of the advanced amount or ₹500, whichever is higher.
Cash Advance Charges
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank BizFirst Credit Card

Tata Neu Infinity SBI Card

Who is it for?

The HDFC Bank BizFirst Credit Card is designed for business owners, offering competitive rewards on business-related expenses like EMI and utility payments. It features a low annual fee, an easily achievable spend-based waiver, and dining discounts, making it a valuable tool for managing business finances efficiently.

Who is it for?

The Tata Neu Infinity SBI Card is a premium co-branded credit card designed for users deeply integrated into the Tata ecosystem and frequent travelers. It offers an impressive 5% value back as NeuCoins on Tata brand spends, coupled with extensive domestic and international airport lounge access. With a low 1.99% foreign currency markup and an annual fee waiver on Rs. 3 lakhs spend, this card provides substantial rewards and savings for shopping, travel, and international transactions. It's an excellent choice for individuals seeking premium benefits within the Tata universe and beyond.

Pros

Key benefits and features.

Comes with a low joining and annual fee of ₹500 + GST, making it affordable for businesses.

Offers a strong reward structure with up to 3% CashPoints on key business expenses like EMI and utility bills.

The renewal fee waiver is easily achievable with annual spends of ₹50,000, reducing long-term costs.

Provides up to 55 days of interest-free credit, aiding in better cash flow management for businesses.

Includes milestone benefits, rewarding consistent high spenders with additional CashPoints quarterly.

Pros

Key benefits and features.

High 5% NeuCoins value back on Tata Neu App and partner brand spends.

Enjoy 8 domestic and 4 international airport lounge accesses annually.

Benefit from a low 1.99% foreign currency markup on international transactions.

Annual fee waiver is easily achievable with Rs. 3 lakhs in yearly retail spends.

NeuCoins offer direct value, with 1 NeuCoin equivalent to Re. 1 in savings.

Cons

Key drawbacks and limitations.

Lacks premium lifestyle benefits such as complimentary lounge access or golf privileges.

CashPoints have an expiry period of two years, requiring timely redemption.

A fee of ₹99 + GST is charged for redeeming reward points, which can reduce the effective value.

The foreign currency markup of 3.5% is relatively high for international transactions.

The maximum earning limits on CashPoints for specific categories can restrict higher rewards for very large spends.

Cons

Key drawbacks and limitations.

Domestic lounge access is conditional on achieving Rs. 75,000 spends quarterly.

Complimentary Priority Pass membership and international lounge access are valid for only two years.

International lounge visits after complimentary ones incur a $27 + taxes fee.

Fuel surcharge waiver has transaction limits and a maximum cap per statement cycle.

Specific interest rates for revolving credit are not explicitly detailed in the card information.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank BizFirst Credit Card(opens in new tab)Apply for Tata Neu Infinity SBI Card(opens in new tab)