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| Feature | SBI Card Tata Neu Infinity SBI Card | RBL Bank IRCTC RBL Bank Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | SBI Card | RBL Bank |
| Network | RuPay | Mastercard + RuPay |
| Annual fee | ₹1,499 + GST per year | ₹500 + GST per year |
| Annual fee waiver | At ₹3,00,000 annual spending | No waiver recorded |
| Base reward rate | 1.5% | 0.5% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| 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 | No complimentary airport lounge access recorded |
| Forex markup | 2.0% | 3.5% |
| Monthly income requirement | Approx. ₹50,000/month | Not listed |
| Terms verified | 21 Sept 2026 | 23 Sept 2026 |
| Best suited to | SBI customers who shop in the Tata ecosystem and want a RuPay card for UPI plus airport lounge access. | Frequent IRCTC rail travellers who also want a UPI-enabled card. |
| Main trade-off | NeuCoins are only fully valuable inside the Tata ecosystem (BigBasket, Croma, 1mg, Taj, Air India): redemption elsewhere is weaker. | Railway lounges are not airport lounges. Each accelerated channel has a 1,000-point billing-cycle cap, broad categories are excluded, and offline RuPay UPI purchases below ₹2,000 at small merchants do not earn points. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
