Tata Neu Infinity HDFC Bank Credit Card VS Tata Neu Plus SBI Card
Both Tata Neu Plus SBI Card and Tata Neu Infinity HDFC Bank Credit Card suit shopping-focused spenders, but they earn and cost differently. Tata Neu Plus SBI Card costs ₹499 + GST and earns 2% NeuCoins on Tata Neu & partner Tata brands, up to 5% on select categories, and 1% on other spends including UPI. Tata Neu Infinity HDFC Bank Credit Card costs ₹1,499 + GST and earns up to 10% NeuCoins on Tata Neu app/website; 5% on partner Tata brands; 1.5% on UPI spends. Tata Neu Plus SBI Card also brings 4 complimentary domestic airport lounge accesses annually (1 per quarter) on Rs. 50,000 spends in previous quarter, while Tata Neu Infinity HDFC Bank Credit Card counters with 8 complimentary domestic airport lounge access annually (2 per quarter) on spending ₹50,000 per quarter. Weigh the fee against the reward rate above to see which fits your spending pattern better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Tata Neu Infinity HDFC Bank Credit Card
Tata Neu Plus SBI Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Earn an impressive reward rate of up to 10% NeuCoins on all Tata Neu app purchases.
Benefit from a significantly low foreign currency markup of just 2% on international transactions.
Enjoy complimentary domestic and international airport lounge access, enhancing travel experiences.
Provides comprehensive insurance coverage, including accidental air death and emergency hospitalization.
Pros
Key benefits and features.
Strong NeuCoin earnings on Tata ecosystem and partner brands, including up to 5% on select categories.
Complimentary domestic lounge access (4 per year) enhances travel convenience for frequent flyers.
Annual fee waiver on moderate spending of Rs. 1 Lakh makes the card cost-effective.
Fuel surcharge waiver provides savings on daily commutes, capped at Rs. 250 per cycle.
Universal NeuCoin earnings of 1% on all other spends, including UPI transactions, is a great perk.
Cons
Key drawbacks and limitations.
The NeuCoins earned with the Tata Neu Infinity HDFC Bank Credit Card expire after one year.
A relatively high annual spend of ₹3 lakhs is required to waive the renewal fee.
No NeuCoins are accrued on essential transactions like fuel purchases and wallet reloads.
Cons
Key drawbacks and limitations.
Lounge access is spend-based, requiring Rs. 50,000 spend per quarter, which might be high for some.
Rewards are primarily tied to the Tata ecosystem, limiting broader utility for non-Tata spends.
No international lounge access or significant global travel benefits are offered with this card.
Maximum fuel surcharge waiver is capped at Rs. 250 per statement cycle, limiting larger savings.
Lack of specific dining, movie, or international spend benefits compared to other cards.