Detailed comparison of SBI Tata Neu Infinity & Plus cards vs HDFC variants. Cashback benefits, Tata partner brands, UPI rewards, limits & lounge access explained.

SBI Tata Neu Infinity vs HDFC Tata Neu Cards – Full Comparison 2025

If you frequently book flights or hotels, purchase jewellery, or shop for daily groceries with Tata partner brands, then a Tata Neu Credit Card is a must-have. Until now, HDFC Bank dominated the Tata Neu co-branded card space with its HDFC Tata Neu Infinity and HDFC Tata Neu Plus cards. But now, SBI has partnered with Tata to launch its own co-branded variants: SBI Tata Neu Infinity and SBI Tata Neu Plus.

So what are the differences between HDFC and SBI Tata Neu Credit Cards? Which one gives better value? And which one should you choose?
Here is the complete comparison.

Card Network: RuPay vs Visa – Which Is Better?

Both SBI and HDFC issue their Tata Neu cards on RuPay and Visa networks.

However, RuPay variants offer better value because they support UPI payments through Tata Neu App, enabling users to earn additional cashback on UPI spends.

Online Shopping Benefits

Let’s compare cashback across Amazon & Flipkart:

Amazon & Flipkart Cashback

Variant HDFC SBI Infinity 1.5% 1.5% Plus 1% 1%

Big Benefits on Tata Neu App (Up to 10% Cashback)

When shopping via Tata Neu App:

Infinity Card

• 5% cashback via card (credited to card statement)
• Up to 5% NeuCoins via Tata Neu App
• Total: Up to 10% value back

Plus Card

• 2% cashback via card
• Up to 5% NeuCoins via Tata Neu App
• Total: Up to 7% value back

Cashback on Tata Partner Brands

All Tata partner brands (like Croma, Westside, Tanishq, BigBasket, Air India, and more) offer:

Infinity Variant

• 5% value back

Plus Variant

• 2% value back

However, some transactions are excluded. No reward points or cashback will be given on those categories.

Real Savings Example

The shared example indicates earnings of 61,733 NeuCoins in 1 year, equivalent to ₹61,733 savings, as 1 NeuCoin = ₹1.

These rewards were earned via:

• Tata Neu app transactions
• Tata Neu card spends
• Partner brand purchases
• Travel bookings (flights, hotels)

NeuCoins Tier System (Explorer, Insider, Elite, Legend)

Even non-cardholders earn 1–5% NeuCoins depending on their tier.

But cardholders always earn full 5% NeuCoins on eligible Tata Neu transactions, irrespective of tier.

High-Value Purchases: Jewellery & Electronics

A major advantage of Tata Neu Cards is cashback on jewellery purchases from Tanishq – something very rare in credit cards.

Infinity Variant Limits

• Monthly Tata partner spend limit: ₹6 lakh
• Annual limit: ₹18 lakh
• Cashback: 5%

Plus Variant Limits

• Monthly limit: ₹3 lakh
• Annual limit: ₹9 lakh
• Cashback: 2%

Groceries & Food Delivery Cashback

Zomato/Swiggy

• Infinity: 1.5%
• Plus: 1%

BigBasket

• Infinity: 10% value back (max 2,000 NeuCoins/month)
• Plus: 7% value back (max 1,000 NeuCoins/month)

UPI Payments via RuPay Variant

If you choose RuPay Tata Neu Cards:

Infinity

• Base: 0.5%
• Additional via Tata Neu App: 1%
• Total: 1.5% cashback on UPI

Plus

• Base: 0.5%
• Additional via Neu App: 0.5%
• Total: 1% cashback on UPI

If your main need is UPI cashback, a better option is AU Bank LIT or Axis KWIK, but Tata Neu works well for brand-specific users.

Offline Spending

• Infinity: 1.5%
• Plus: 1%

Insurance Payments

• Infinity: 5% cashback (limit: 2000 NeuCoins/month)
• Plus: 2% cashback (limit: 2000 NeuCoins/month)

Jewellery (Tanishq) Cashback

One of the rare cards offering cashback on jewellery.

• Infinity: 5% value back
• Plus: 2% value back

Fuel Surcharge Waiver – SBI vs HDFC

HDFC Tata Neu Cards

• Waiver applicable on ₹400–₹5,000 fuel transactions

SBI Tata Neu Cards

• Waiver applicable on ₹500–₹4,000 transactions

Waiver cap:

• Infinity: ₹500/month
• Plus: ₹250/month

Lounge Access – Big Difference

Infinity Variant

• Domestic: 8 visits/year
• International: 4 visits/year (via Priority Pass)

HDFC Priority Pass has no expiry, but SBI Priority Pass is valid for only 2 years.

Plus Variant

• Domestic: 4 visits/year
  (Only after quarterly ₹50k spend)

SBI Condition for Lounge Access

Must spend:

• ₹75,000 in the previous quarter for Infinity lounge access
• ₹50,000 in the previous quarter for Plus variant

HDFC has no such spend condition — a major benefit.

Fees & Welcome Bonus

Infinity Variant

• Joining Fee: ₹1,499 + GST
• Renewal Fee: ₹1,499 + GST
• Welcome Bonus:
  • 1,499 NeuCoins

Plus Variant

• Joining Fee: ₹499 + GST
• Renewal Fee: ₹499 + GST
• Welcome Bonus:
  • 499 NeuCoins

Sometimes Tata Neu App offers 1st year fee waiver as a special promo.

Annual Fee Waiver Conditions

• Infinity: Spend ₹3,00,000/year
• Plus: Spend ₹1,00,000/year

Which Card Is Best for You?

Choose HDFC Tata Neu Infinity if:

• You want assured lounge access without quarterly spends
• You spend heavily on Tanishq, Croma, BigBasket, Air India etc.
• You want the highest monthly & annual cashback caps

Choose SBI Tata Neu Infinity if:

• You prefer SBI customer service
• You mostly spend via Tata Neu app and Tata brands

Choose Plus Variant (SBI or HDFC) if:

• You want a budget-friendly co-branded card with decent rewards