PhonePe SBI Card SELECT BLACK vs Tata Neu Infinity HDFC Bank

Reviewed by Chandan Kumar Dash

Both have the same annual fee, ₹1,499. PhonePe SBI Card SELECT BLACK waives its fee on ₹3,00,000 of spend a year; Tata Neu Infinity HDFC Bank waives its fee on ₹3,00,000 of spend a year. For spends abroad, Tata Neu Infinity HDFC Bank charges the lower forex markup (2% 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	PhonePe SBI Card SELECT BLACKSBI Card0 wins	Tata Neu Infinity HDFC BankHDFC2 wins · 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	10 Reward Points per Rs. 100 on PhonePe spends, 5 on online spends	5% NeuCoins on Tata Neu and partner Tata brand spends; 1.5% NeuCoins on other non-UPI spends
Airport lounges	4 a year domestic	More2 a quarter domestic, 4 a year international
Forex markup	3.5% plus GST	Lower2% plus GST
Points	Reward Points, about ₹1 a point	NeuCoins, about ₹1 a point
Published minimum income and age	Not published	Salaried ₹12,00,000 a year, self-employed ₹12,00,000 a year, age 21 to 60
Network	RuPay	Visa / RuPay
Apply	Bank page	ApplyAffiliate link

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.

Common questions

Which has the lower annual fee?

Both charge ₹1,499 a year.

Add a third card PhonePe SBI Card SELECT BLACK Tata Neu Infinity HDFC Bank

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