vs
In short: SBI Cashback has the lower annual fee (₹999 vs ₹1,499); HDFC Tata Neu Infinity has the lower forex markup (2% vs 3.5%).
| Key facts | SBI Cashback | HDFC Tata Neu Infinity |
|---|---|---|
| Annual fee | ₹999 | ₹1,499 |
| Joining fee | ₹999 | ₹1,499 |
| Annual fee waived | On ₹2 lakh annual spend | On ₹3 lakh annual spend |
| Top reward rate | 5% Cashback on Online Spends | 5% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rewards | 1% Cashback on Offline Spends | 1.5% Back as NeuCoins on Non-Tata Brands |
| Lounge access | Not listed | 2 airport lounge visits a quarter |
| Forex markup | 3.5% | 2% |
From issuer benefit data, checked 6 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Tata Neu Infinity returns about ₹400 more a year after annual fees (₹5,700 vs ₹4,800 in rewards).
| Spend profile | SBI Cashback | HDFC Tata Neu Infinity |
|---|---|---|
| Reward value: top rate / base rate | 5% / 1% | 5% / 1.5% |
| ₹20,000 a month, all general spends | ₹2,400 | ₹3,600 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹4,800 | ₹5,700 |
| Annual fee | ₹999 | ₹1,499 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The Sbi Card Visa Cashback Credit Card and the Tata Neu Infinity Hdfc Bank Credit Card both offer cashback and rewards with a 5% top rate on select spends. The SBI card focuses on straightforward cashback with a 1% base rate on offline spends, while the Tata Neu Infinity card provides NeuCoins rewards, especially on Tata brand spends and select partners. Fee structures differ notably, with SBI requiring Rs.999 for joining and renewal, and Tata Neu Infinity charging Rs.1499 with a higher waiver threshold. Travel benefits are more pronounced on the Tata Neu Infinity card, including domestic and international lounge access.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Sbi Card Visa Cashback Credit Card | Tata Neu Infinity Hdfc Bank Credit Card |
|---|---|---|
| Bank | SBI Cards | HDFC Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.999 | Joining Fee of Rs.1499 |
| Annual / renewal fee | Renewal Fee of Rs.999 | Renewal Fee of Rs.1499 |
| Annual fee waiver | Spend Rs.2 Lakhs For Waiver of Renewal Fee | Spend Rs.300000 For Renewal Fee Waiver |
| Top reward rate | Get 5% Cashback on Online Spends | 5% Back as NeuCoins on Non-EMI Spends on Tata Neu |
| Base rate (other spends) | Get 1% Cashback on Offline Spends | 1.5% Back as NeuCoins on Non-Tata Brands |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | 1 Complimentary Airport Lounge Access Outside India |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Welcome benefit | — | Welcome Benefit of 1499 NeuCoins |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 2% - Foreign Currency Transactions |
When it comes to rewards, the Tata Neu Infinity Hdfc Bank Credit Card offers a higher base reward rate of 1.5% NeuCoins compared to SBI's 1% cashback on offline spends, while both cards offer 5% back on select categories. The Tata Neu Infinity card’s rewards are more varied and tied to Tata brands and partners, which can be valuable if you frequently shop within that ecosystem. At Rs.20,000 monthly spend, the Tata Neu Infinity card yields about Rs.5,700 annually in rewards, compared to Rs.4,800 for the SBI card. However, SBI’s cashback is straightforward and may appeal to those preferring simple cashback over points.
The Tata Neu Infinity Hdfc Bank Credit Card clearly leads for travel benefits, offering two complimentary domestic airport lounge accesses per quarter and one international lounge access outside India. In contrast, the SBI card does not list any lounge access benefits in our data. For frequent travelers, especially those who value lounge access, Tata Neu Infinity provides more tangible travel perks. Both cards offer a 1% fuel surcharge waiver, but Tata Neu Infinity’s additional lounge benefits make it more travel-friendly overall.
Regarding fees, the SBI card has a lower joining and renewal fee of Rs.999, with a waiver on renewal if you spend Rs.2 lakhs annually. Tata Neu Infinity charges Rs.1499 for joining and renewal, with a higher waiver threshold of Rs.3 lakhs. SBI’s foreign currency markup fee is 3.5%, which is higher than Tata Neu Infinity’s 2%. For users concerned about cost-effectiveness, SBI’s lower fees and waiver criteria may be more appealing, especially if you do not spend extensively on the Tata ecosystem or travel frequently.
The Tata Neu Infinity card offers rewards primarily as NeuCoins, which can be redeemed within the Tata ecosystem and partner brands like BigBasket, Croma, and Air India Express, making it attractive for users loyal to these brands. The SBI card provides straightforward cashback without a co-brand program, appealing to users who prefer simple cash rewards.
SBI Card Visa Cashback charges a 3.5% forex markup on foreign currency transactions, which is notably higher than the Tata Neu Infinity card’s 2%. This makes Tata Neu Infinity more cost-effective for international spends.
Consider Sbi Card Visa Cashback Credit Card if you want a simple cashback structure with a lower joining and renewal fee, and if you prefer straightforward cashback on online and offline spends without focusing on co-brand rewards. It is also suitable if you want a card with a lower foreign currency markup fee waiver threshold and are less interested in travel lounge benefits.
Consider Tata Neu Infinity Hdfc Bank Credit Card if you frequently shop within the Tata ecosystem or partner brands and want higher rewards in the form of NeuCoins. It is also a better pick for travelers who value domestic and international airport lounge access. Despite the higher fees, the richer rewards and travel benefits can justify the cost for those who meet the waiver criteria and spend accordingly.
The Sbi Card Visa Cashback Credit Card has a joining and renewal fee of Rs.999 each, while the Tata Neu Infinity Hdfc Bank Credit Card charges Rs.1499 for both joining and renewal.
Yes, the SBI card waives the renewal fee if you spend Rs.2 lakhs annually, whereas the Tata Neu Infinity card waives the renewal fee if you spend Rs.3 lakhs annually.
The Tata Neu Infinity card offers 1.5% back as NeuCoins on non-Tata brand spends, compared to SBI’s 1% cashback on offline spends. Both offer 5% back on select categories.
The Tata Neu Infinity card provides 2 complimentary domestic airport lounge accesses per quarter and 1 international lounge access outside India. The SBI card does not list any lounge access benefits.
SBI Card Visa Cashback charges a 3.5% forex markup fee, while Tata Neu Infinity charges a lower 2% forex markup fee.
Yes, both cards offer a 1% fuel surcharge waiver on fuel transactions.