Compare the published economics of both cards. The better choice depends on where you spend and whether your rewards exceed the recurring fee.
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| Feature | HDFC Bank Tata Neu Infinity HDFC Bank Credit Card | SBI Card Tata Neu Infinity SBI Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | SBI Card |
| Network | RuPay | RuPay |
| Annual fee | ₹1,499 + GST per year | ₹1,499 + GST per year |
| Annual fee waiver | ₹3,00,000 | ₹3,00,000 |
| Base reward rate | 1.5% | 1.5% |
Limits and access Check caps and everyday usability before deciding. | ||
| General monthly reward cap | No general cap | No general cap |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year | 8 domestic airport lounge visits per year • 4 international airport lounge visits per year |
| Forex markup | 2% | 2.0% |
| Best suited to | UPI enthusiasts who want cashback on QR scans + BigBasket/Croma shoppers. | SBI customers who shop in the Tata ecosystem and want a RuPay card for UPI plus airport lounge access. |
| Main trade-off | UPI rewards share a 500-NeuCoin monthly cap. Grocery, utility, telecom/cable and insurance each have a 2,000-NeuCoin monthly cap; NeuPass exclusions vary by Tata brand. | NeuCoins are only fully valuable inside the Tata ecosystem (BigBasket, Croma, 1mg, Taj, Air India): redemption elsewhere is weaker. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
GainFair compares annual rewards after caps, fees, GST and exclusions instead of declaring one universal winner.
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