Tata Neu Infinity HDFC Bank vs Tata Neu Infinity SBI Card
Both have the same annual fee, ₹1,499. Tata Neu Infinity HDFC Bank waives its fee on ₹3,00,000 of spend a year; Tata Neu Infinity SBI Card waives its fee on ₹3,00,000 of spend a year. For spends abroad, Tata Neu Infinity SBI Card charges the lower forex markup (1.99% plus GST). Which one earns more depends on where you spend. The Saifu app works it out on your own spends, on your phone.
| Feature | Tata Neu Infinity HDFC BankHDFC0 wins | Tata Neu Infinity SBI CardSBI Card1 win · ahead |
|---|---|---|
| Annual fee | ₹1,499 | ₹1,499 |
| Joining fee | ₹1,499 | ₹1,499 |
| Fee waiver | Waived on ₹3,00,000 spend a year | Waived on ₹3,00,000 spend a year |
| Rewards | 5% NeuCoins on Tata Neu and partner Tata brand spends; 1.5% NeuCoins on other non-UPI spends | 5% back as NeuCoins on Tata Neu and partner Tata brands (non-EMI), 1.5% on non-Tata UPI spends (RuPay) |
| Airport lounges | 2 a quarter domestic, 4 a year international | 8 a year domestic, 4 a year international |
| Forex markup | 2% plus GST | Lower1.99% plus GST |
| Points | NeuCoins, about ₹1 a point | NeuCoins, about ₹1 a point |
| Published minimum income and age | Salaried ₹12,00,000 a year, self-employed ₹12,00,000 a year, age 21 to 60 | Not published |
| Network | Visa / RuPay | Visa |
| Apply | Bank page | Bank page |
Badges mark the lower fee, waiver spend or markup, and more lounge visits. Rewards are not scored here because they depend on where you spend. Affiliate link, costs you nothing extra, we may earn a commission, never changes how cards are ranked. Figures come from each bank's page and can change; check before you apply.
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