Tata Neu Infinity HDFC Bank vs SBI Card: Same Name, Different Rules

Both Tata Neu Infinity cards charge ₹1,499 plus GST, reverse it at ₹3 lakh of yearly spends and pay 5% as NeuCoins on Tata brands and 1.5% elsewhere, so what you are really choosing is the issuer. SBI Card's version moves NeuCoins to NeuPass on its own, pays 1.5% on UPI from any app and publishes no income floor, while HDFC Bank's version gives easier lounge vouchers, written insurance cover and NeuCoins on merchant EMI, but asks for ₹1 lakh of gross monthly income and, from 25 November 2026, a claim in the Tata Neu App.

By Anjali Bhargawa · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

In short

The SBI Card version is simpler to live with and open to more applicants, while the HDFC Bank version gives more around the card, from lounge vouchers at ₹50,000 a quarter to travel insurance, if you meet its income rule and remember to claim.

Best for

SBI Card version: people who pay by UPI from any app and want NeuCoins credited without a claim
HDFC Bank version: earners above ₹1 lakh gross a month who fly and want insurance and lounge vouchers
HDFC Bank version: buyers who convert Croma or other big purchases to merchant EMI

Skip it if

You rarely shop at Tata brands, since 1.5% elsewhere is ordinary for a ₹1,499 card
You spend under ₹25,000 a month, which leaves the ₹3 lakh waiver out of reach
You would forget a 12-month claim window, on the HDFC Bank version

Highlights

Same fee on both: ₹1,499 plus GST, reversed at ₹3 lakh of yearly spends
Same headline earn: 5% NeuCoins on Tata brands, 1.5% on other spends, 1 NeuCoin = ₹1
UPI: 1.5% from any app on SBI Card; 0.5% on HDFC unless you use the Tata Neu UPI ID
Domestic lounges: HDFC on ₹50,000 in the same quarter, SBI Card on ₹75,000 in the previous quarter
Income: HDFC asks above ₹1 lakh gross a month; SBI Card publishes no floor

Side by side

Every term from the banks' own pages, last verified 5 November 2026.
Term	Tata Neu Infinity HDFC Bank Credit Card	Tata Neu Infinity SBI Card
Bank	HDFC Bank	SBI Card
Joining fee	₹1,499 + GST	₹1,499 + GST
Annual fee and waiver	₹1,499 + GST. Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.	₹1,499 + GST. Annual Fee reversal on annual spends of 3 lakhs or more (net retail spends in the 365 days before the fee date)
Base reward	1.5% back as NeuCoins on non-EMI spends on non-Tata brands and on merchant EMI... (about 1.5% value)	1.5% Value Back as NeuCoins on other spends, including UPI transactions... (about 1.5% value)
Best category	Non-EMI spends on partner Tata brands: about 5% value	Non-EMI spends on Tata Neu app/website and partner Tata brands: about 5% value
Lounges	Domestic: 2 complimentary domestic lounge vouchers per calendar quarter (up to 8 a year) International: Visa: Priority Pass on request, up to 4 complimentary visits per calendar year (1 per quarter) for primary and add-on combined; RuPay: 4 per year (1 per quarter)	Domestic: 8 domestic airport lounge accesses a year (2 per quarter) International: 4 complimentary international airport lounge accesses a year (1 per quarter) via Priority Pass; membership valid 2 years
Forex markup	2% of the amount	1.99% of the amount
Network	Visa, RuPay	Visa, RuPay
Published minimum income	₹1,00,000 a month	Stable income; SBI Card says the specific minimum varies by card and does not...
Status	Taking applications	Taking applications
Add-on card fee	Nil	Nil
Earned as	Tata NeuCoins (1 NeuCoin = ₹1 on Tata Neu)	NeuCoins (1 NeuCoin = Re 1 on Tata Neu)
Higher-reward categories	Non-EMI spends on partner Tata brands: 5% back as NeuCoins (1.5% base + 3.5% additional), about 5% value (Fair usage by monthly spend per brand: Croma ₹6,00,000; Tata CLiQ/Westside ₹3,00,000; IHCL/Air India Express/Air India ₹8,00,000; 1mg/Cult/Tata Play ₹2,00,000; Tata Pay ₹1,00,000 (from 1 Aug 2024); BigBasket ₹1,00,000; Titan/Tanishq ₹6,00,000; Qmin ₹50,000, month) Selected categories on the Tata Neu app or website: Additional 5% back as NeuCoins, about 5% value (Not on Tata Pay bill payments, Tanishq, Cult.fit, Air India and Tata Play) UPI spends on the RuPay card: Up to 1.5%: 0.5% with any UPI ID plus an extra 1% with the Tata Neu UPI ID, about 1.5% value (total NeuCoins on eligible UPI transactions capped to 500 NeuCoins per month, calendar month)	Non-EMI spends on Tata Neu app/website and partner Tata brands: 5% Value Back as NeuCoins, about 5% value (No cap stated for partner-brand NeuCoins) Select categories on the Tata Neu app/website: Extra Value Back as NeuCoins - upto 5%, about 5% value (Details on tataneu.com/about-neupass; not stated by SBI Card) UPI spends: 1.5% Value Back as NeuCoins, about 1.5% value (capped to 500 NeuCoins per month, month)
No rewards on	Fuel Wallet loads, gift or prepaid card loads and voucher purchases Cash advances Payment of outstanding balance Card fees and charges Smart EMI / Dial an EMI Rental and government transactions Education payments through third-party apps (from 1 Sep 2024) Online skill-based gaming, MCC 5816 (from 1 Jul 2025)	Fuel (MCC 5172, 5541, 5983, 5542) Wallet loads, gift or prepaid card loads, voucher purchases (MCC 6540, 6541) Rent (MCC 7349, 6513) Government (MCC 9399, 9311) Education (MCC 5111, 5192, 5942, 5943, 5947, 8211, 8220, 8241, 8244, 8249, 8299, 8351) Gaming (MCC 5816, 7993, 7994) Merchant EMI, Flexipay Cash advances, balance transfers, payment of outstanding, card fees and charges
Value of a point	Tata Neu app and eligible Tata brands: 1 NeuCoin = INR 1	Redeem on Tata Neu, Air India Express, BigBasket, Croma, IHCL hotels, Tata CLiQ, Tata 1mg, Titan/Tanishq (via Tata Neu), Westside stores: 1 Reward Point = 1 NeuCoin = INR 1 savings
Redemption fee	No processing fee for Tata Neu Infinity / Tata Neu Plus redemption requests (MITC)	Not stated for NeuCoins (closed-loop: NeuCoins move automatically to the NeuPass account within 7 working days of the statement)
Expiry	From 25 Nov 2026: claim NeuCoins in the Tata Neu App within 12 months of the statement in which they were earned (minimum 100 per claim, up to 3 claims a day); claimed NeuCoins stay valid 12 more months in the Tata Neu account	Not stated by SBI Card (NeuCoins sit in the cardholder's NeuPass account)
Welcome benefits	1,499 NeuCoins (reversal of the first-year fee) on the first transaction within 30 days of issuance; claim in the Tata Neu App; not for lifetime-free or first-year-free cards	1,499 NeuCoins within 15 days of joining fee realisation
Milestone benefits	2 domestic lounge vouchers per calendar quarter on spends of ₹50,000 in that quarter Renewal fee waived on ₹3 lakh annual spends	Annual fee reversal on annual spends of Rs. 3 lakh
Fuel surcharge waiver	1% fuel surcharge waiver on transactions of ₹400 to ₹5,000; maximum waiver ₹500 per statement cycle	1% waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps in India; max Rs. 500 per statement cycle
Insurance cover	Primary cardholder: air accident cover USD 125,000; emergency medical expenses abroad USD 18,750; card liability ₹9,00,000; credit shield ₹9,00,000; missed connection and flight delay USD 313 each (policy 23 Jul 2026 to 22 Jul 2027)	None listed on card page
Interest on unpaid balances	Up to 3.75% a month (45% a year)	Up to 3.75% a month (45% a year)
Late payment fee	Late payment charges (excl. GST), basis the bill amount, w.e.f. 1 Aug 2024: nil up to ₹100; ₹100 for ₹101 to ₹500; ₹500 for ₹501 to ₹1,000; ₹600 for ₹1,001 to ₹5,000; ₹750 for ₹5,001 to ₹10,000; ₹900 for ₹10,001 to ₹25,000; ₹1,100 for ₹25,001 to ₹50,000; ₹1,300 above ₹50,000. Charged when the Minimum Amount Due is not paid; account is reported past due and late fee levied only after 3 grace days from the due date.	Nil up to Rs.100; Rs.100 (Rs.100-500); Rs.500 (Rs.500-1,000); Rs.750 (Rs.1,000-10,000); Rs.950 (Rs.10,000-25,000); Rs.1,100 (Rs.25,000-50,000); Rs.1,300 (above Rs.50,000) of outstanding amount due; plus Rs.100 additional if MAD is missed two consecutive cycles (continues each cycle until MAD is cleared). Taxes extra.
Cash withdrawal	2.5% of the amount withdrawn or ₹500, whichever is higher, plus finance charges at the revolving rate from the date of withdrawal until full payment.	2.5% of transaction amount, minimum Rs.500, at domestic and international ATMs; finance charges from the date of withdrawal (no free credit period); max Rs.15,000 cash per day at ATMs (MCC 6011), within cash limit.
Age (salaried)	21 to 60 years	21 years or above (minimum). Maximum age stated as 60 years in one place and 70 years in another on SBI Card's listing page
Income (salaried)	Gross monthly income greater than ₹1 lakh	Stable income; SBI Card says the specific minimum varies by card and does not publish it for this card
Income (self-employed)	Income Tax Return (ITR) greater than ₹12 lakh per annum	Stable income; minimum not published for this card
Documents	Identity proof, address proof and income proof (HDFC Bank general guidance; the card page's document list could not be read) Existing HDFC Bank customers may not need to submit them again	PAN card (for digital KYC) Copy of Aadhaar card with first 8 digits masked, or any valid government address proof (for digital KYC) Income documents such as salary slip or income tax return may be required, depending on card eligibility and SBI Card policy
Last verified	5 November 2026	5 November 2026

One brand, two banks, two sets of terms

Tata Neu Infinity is the name of two different credit cards. HDFC Bank issue one and SBI Card issues the other, each in partnership with Tata Digital, and on the box they look like twins: same ₹1,499 fee, same ₹3 lakh reversal, same 5% on Tata brands and 1.5% elsewhere, same 1,499 welcome NeuCoins. The differences sit in the fine print, and they decide which one is right for you.

That matters because RBI's co-brand rules make the issuing bank, not Tata, responsible for the card. The bank approves you, sets the fees, runs the statement and has to deliver the advertised NeuCoins on time, and the partner can't see your transactions. So when something goes wrong, you deals with HDFC Bank or SBI Card, whichever card is in your wallet.

Who each version is for

Tata Neu Infinity HDFC Bank: salaried people above ₹1 lakh gross a month, or self-employed with an ITR above ₹12 lakh, who travel, want written insurance, buy big items on merchant EMI and don't mind claiming NeuCoins in the Tata Neu App.
Tata Neu Infinity SBI Card: people who want the coins to just appear, pay a lot by UPI from PhonePe, Google Pay or other app, or can't show HDFC's income, since SBI Card publishes no minimum for any card.

The verdict in two sentences

For most Tata shoppers the SBI Card version is the easier card, because its NeuCoins move automatic and its UPI rate doesn't depend on which app you use. The HDFC Bank version is worth it for higher earners who will use its lounge vouchers and insurance, and who'll claim their coins inside 12 months.

Both cards are active. Each issuer's card has its own page on us: the HDFC Bank Tata Neu Infinity review and the SBI Card Tata Neu Infinity review.

Same fee, different charge schedules

Charge	HDFC Bank version	SBI Card version
Joining and annual fee	₹1,499 plus GST	₹1,499 plus GST
Waiver	Renewal waived on ₹3,00,000 in the year before renewal	Reversed on ₹3 lakh of net retail spends in the 365 days before the fee date
Welcome NeuCoins	1,499 after a first spend within 30 days, claimed in the Tata Neu App	1,499 within 15 days of the joining fee being paid
Add-on cards	Free	Nil
Interest	3.75% per month (45% p.a.)	3.75% per month (45% p.a.)
Late fee on ₹15,000 due	₹900	₹950
Rent	1%, capped at ₹4,999 a transaction	₹199 plus taxes a payment
Wallet loads	1% once the month's loads pass ₹10,000	1% on any load above ₹1,000
Fuel	1% on a single fuel bill above ₹15,000	1% if a cycle's fuel passes ₹50,000, from 1 Dec 2026
Over-limit, with consent	2.5%, minimum ₹550	2.5%, minimum ₹600
Forex markup	2%	1.99%

The fee and its waiver

With 18% GST each card costs ₹1,768.82 a year (₹1,499 plus ₹269.82). Both waive it at ₹3 lakh, which is ₹25,000 a month (₹3 lakh divided by 12). Both also give 1,499 NeuCoins as welcome benefit, so the first year's fee before GST comes back as coins, but the timing differs. SBI Card credits them within 15 days of your joining fee being realised. HDFC gives them after your first transaction within 30 days of issue, and you claim it in the Tata Neu App.

Charges that differ

Interest is identical, but late fees not. A ₹3,000 outstanding costs ₹600 at HDFC and ₹750 at SBI Card; ₹15,000 cost ₹900 against ₹950. SBI Card also adds ₹100 if the minimum due is missed two cycles in a row.

The newer fees split by habit. Rent of ₹30,000 costs ₹300 at HDFC (1% of ₹30,000) and ₹199 plus taxes at SBI Card, and earns no NeuCoins on either. A ₹5,000 wallet load costs ₹50 at SBI Card, while HDFC charges nothing until your month's loads cross ₹10,000. Both take 1% on utility bills above ₹50,000, HDFC per calendar month and SBI Card per billing cycle. HDFC's MITC charge no fee on NeuCoin redemption requests, and SBI Card states none for NeuCoins, which move to NeuPass by themselves.

Same headline rates, different small print

On both cards 1 NeuCoin is worth ₹1 on Tata Neu and partner brands such as BigBasket, Croma, Tata CLiQ, Westside, Tata 1mg, Titan and Tanishq, IHCL hotels and Air India. Partner Tata brands earn 5% and most other spends 1.5%. Grocery, insurance, utility and telecom and cable each stop at 2,000 NeuCoins a month on both. Fuel, rent, wallet loads, government payments, online gaming and education paid through apps earns nothing on either.

Where HDFC Bank's version is different

UPI: on the RuPay card, 0.5% back with any UPI app, plus 1% more only when you pay with the Tata Neu UPI ID, total NeuCoins capped at 500 a month.
Merchant EMI: earns 1.5% on any brand, even a Tata one, where non-EMI Tata spends get 5%.
Brand limits: the 5% stops at monthly spend limits per brand, from ₹50,000 at Qmin to ₹8,00,000 at IHCL and Air India, and no statement cycle can earn above 50,000 NeuCoins on categories without their own limit.
NeuPass extra 5%: only for the primary cardholder's own Tata Neu account since 15 January 2025, and not on Tata Pay bill payments, Tanishq, Cult.fit, Air India or Tata Play.
Claiming: from 25 November 2026 coins are no more auto-credited. You claim them in the Tata Neu App within 12 months of the statement, at least 100 per claim and up to 3 claims a day, and claimed coins stay valid 12 months more.

Where SBI Card's version is different

UPI: 1.5% on UPI from the RuPay variant, with no Tata Neu UPI ID condition stated, also capped at 500 NeuCoins a month.
Merchant EMI and Flexipay: earn nothing.
Brand limits: SBI Card states no cap on the 5% partner-brand coins, and the extra NeuPass rate of up to 5% is left to Tata Neu's own terms.
Crediting: coins move to your NeuPass account by themselves within 7 working days of the statement. SBI Card doesn't state an expiry, and coins not yet moved is lost if you switch to a non-Tata Neu SBI card.

Three budgets on both versions

Budget and card	NeuCoins a month	NeuCoins in the year	Fee with GST	Domestic lounge visits
₹20,000 a month, HDFC Bank	445 (475 with the Tata Neu UPI ID)	5,340	₹1,768.82	2 vouchers a quarter
₹20,000 a month, SBI Card	475	5,700	₹1,768.82	None after the first quarter
₹40,000 a month, HDFC Bank	1,060 (1,160 with the Tata Neu UPI ID)	12,720	Waived	2 vouchers a quarter
₹40,000 a month, SBI Card	1,160	13,920	Reversed	2 a quarter
₹60,000 a month plus a ₹60,000 EMI phone, HDFC Bank	1,250	15,900	Waived	2 vouchers a quarter
₹60,000 a month plus a ₹60,000 EMI phone, SBI Card	1,250	15,000	Reversed	2 a quarter

₹20,000 a month: BigBasket ₹5,000, other card spends ₹12,000, UPI at shops through PhonePe ₹3,000. Both earn 250 coins at BigBasket (5%) and 180 on other spends (1.5%). The UPI ₹3,000 gives 45 on SBI Card but only 15 on HDFC (0.5%) unless you pay with the Tata Neu UPI ID. A ₹2.4 lakh year falls short of the ₹3 lakh waiver, so both fee is paid. Even without UPI, the quarter's ₹51,000 of card spends (₹17,000 times 3) clears HDFC's ₹50,000 voucher mark, while the full ₹60,000 still misses SBI Card's ₹75,000.

₹40,000 a month: BigBasket ₹8,000, Croma ₹5,000, Tata CLiQ ₹3,000, other spends ₹14,000, UPI ₹10,000 through other apps. Tata brands give 800 coins (5% of ₹16,000) and other spends 210 on both. UPI gives 150 on SBI Card and 50 on HDFC, or 150 with the Tata Neu UPI ID. Over a year that's 12,720 against 13,920 coins, a ₹1,200 gap only for using of the wrong UPI app.

₹60,000 a month plus one EMI purchase: Tata brands ₹10,000 (500 coins), other spends ₹35,000 (525), utilities ₹5,000 (75) and UPI ₹10,000 paid with the Tata Neu UPI ID on HDFC (150), so 1,250 a month, 15,000 a year, on both. Add a ₹60,000 phone at Croma on merchant EMI: HDFC gives 1.5%, 900 coins, SBI Card none. Bought outright, the same phone would earn 5%, 3,000 coins, on either.

Lounges, forex, fuel and insurance

Domestic lounges

Both give 2 domestic visits a quarter, 8 a year, but the rule to earn them is different. HDFC hands out 2 lounge vouchers for any calendar quarter in which you spend ₹50,000, to claim within 120 days and use within 180. SBI Card opens 2 visits a quarter if you spent ₹75,000 in the previous calendar quarter, with the month and quarter of issue exempt. So HDFC needs ₹16,667 a month (₹50,000 divided by 3) and SBI Card ₹25,000 (₹75,000 divided by 3). For a lighter spender, HDFC is the one that actually give lounges.

International lounges

Both offer 4 international visits a year, 1 a quarter. HDFC's Visa card gets Priority Pass on request, and the 4 visits are shared between primary and add-on; its RuPay card has 4 a year of its own. SBI Card's Priority Pass membership is valid 2 years. Extra visits cost US$27 plus GST at HDFC and up to USD 27 plus taxes at SBI Card.

Forex and currency conversion

SBI Card charges 1.99% on foreign currency spends and HDFC 2%. On ₹1 lakh spent abroad, that's ₹1,990 against ₹2,000 before GST, so very less difference is there. Paying in rupees at an overseas merchant is where they part: HDFC's currency conversion fee is 1.75% since 15 May 2026, while SBI Card charges the card's own 1.99% on such payments of ₹1,000 or more.

Fuel

Both waive the 1% fuel surcharge up to ₹500 a statement cycle. HDFC's waiver works on bills of ₹400 to ₹5,000 and SBI Card's on ₹500 to ₹4,000, so a ₹4,500 tank-full get the waiver only on HDFC. Fuel earns no NeuCoins on either.

Insurance

This is HDFC's most clearest extra. Its group policy for 23 July 2026 to 22 July 2027 gives the primary cardholder air accident cover of USD 125,000, emergency medical expenses abroad of USD 18,750, card liability of ₹9,00,000 and a credit shield of ₹9,00,000, plus USD 313 each for missed connections and flight delays. SBI Card's page lists no insurance for its version. For someone flying a few times a year, that alone can tilt the choice.

Published rules side by side

Rule	HDFC Bank version	SBI Card version
Age, salaried	21 to 60	21 or above; maximum given as 60 in one place and 70 in another
Age, self-employed	21 to 65	Above 25 for an online application
Income, salaried	Gross monthly income above ₹1 lakh	Not published
Income, self-employed	ITR above ₹12 lakh a year	Not published
Credit score	Not published	Preferably 750 to 900
Networks	Visa or RuPay	Visa or RuPay
Documents	Identity, address and income proof	PAN, masked Aadhaar or other address proof, income papers if asked

The income rule is the biggest gap

HDFC asks salaried applicants for gross monthly income above ₹1 lakh, ₹12 lakh a year (₹1 lakh times 12), and self-employed applicants for an ITR above ₹12 lakh. SBI Card publishes no minimum income for this card or any of its cards. Its card finder files the card under a monthly income band it labels 50 to 99K, but that's only a filter for browsing, not a rule. If you earn under ₹1 lakh a month, SBI Card's version is the one whose published terms you don't fail, though approval still lie with SBI Card.

SBI Card's own page gives the maximum age as 60 in one spot and 70 in another, so do check it if you're close to it. Both issue the card on Visa or RuPay, and you need the RuPay one for UPI.

Applying

HDFC takes applications online through its card page or at a branch, and existing customers may not have to send documents again. SBI Card takes them online, through its ILA chatbot, on its helpline or at SBI branches. Whichever you pick, the bank checks your own income and existing limits before deciding, as RBI rules require, and owes you written reasons if it declines. Queries go to HDFC Bank customer care or SBI Card customer care, not to Tata Neu, because the bank are your card issuer.

Pros and cons

Pros

SBI Card version: NeuCoins move to NeuPass within 7 working days of the statement, with no claim needed
SBI Card version: 1.5% on UPI from any app on the RuPay card, and no published income floor
HDFC Bank version: lounge vouchers on ₹50,000 of spends in the same quarter, against ₹75,000 in the previous quarter at SBI Card
HDFC Bank version: air accident cover of USD 125,000 and other travel insurance listed for the primary cardholder
HDFC Bank version: merchant EMI purchases earn 1.5% NeuCoins

Cons

HDFC Bank version: from 25 November 2026 NeuCoins must be claimed in the Tata Neu App within 12 months
HDFC Bank version: UPI earns only 0.5% unless you pay with the Tata Neu UPI ID
HDFC Bank version: asks for gross monthly income above ₹1 lakh
SBI Card version: merchant EMI and Flexipay earn no NeuCoins, and no insurance is listed
Both versions: 1.5% on non-Tata spends is modest for a ₹1,499 plus GST card

Frequently asked questions

Are the HDFC and SBI Tata Neu Infinity cards the same card?

No. They share a name, a fee and headline rates, but HDFC Bank and SBI Card each issue their own card with their own terms. Under RBI rules the issuing bank approves you, sets charges and delivers the NeuCoins, so complaints and queries go to the bank whose card you hold, not to Tata Neu.

Do both Tata Neu Infinity cards have the same fee?

Yes. Both charge ₹1,499 plus GST, which is ₹1,768.82 with 18% GST, and both waive the renewal at ₹3 lakh of yearly spends. Each gives 1,499 welcome NeuCoins: SBI Card within 15 days of the joining fee being realised, HDFC Bank after a first transaction within 30 days, to be claimed in the Tata Neu App.

Which Tata Neu Infinity card pays more on UPI?

The SBI Card version, for most people. It pays 1.5% as NeuCoins on UPI spends from its RuPay card, capped at 500 a month. HDFC Bank pays 0.5% with any UPI app and the full 1.5% only when you pay with the Tata Neu UPI ID, under the same 500 NeuCoin monthly cap.

What income do I need for each Tata Neu Infinity card?

HDFC Bank asks salaried applicants for gross monthly income above ₹1 lakh, and self-employed applicants for an ITR above ₹12 lakh a year. SBI Card publishes no minimum income for its version and asks for a stable income and a credit score preferably between 750 and 900. Either way, approval is the bank's decision.

What changes on 25 November 2026 for HDFC Tata Neu cardholders?

From 25 November 2026, NeuCoins earned on HDFC Bank's Tata Neu cards stop being credited automatically. You claim them in the Tata Neu App within 12 months of the statement in which they were earned, at least 100 per claim and up to 3 claims a day. SBI Card's version keeps moving coins to NeuPass by itself.

Which version gives better lounge access and forex?

Lounge access is easier on HDFC Bank's card: 2 domestic vouchers a quarter on ₹50,000 of spends in that quarter, against ₹75,000 in the previous quarter on SBI Card's. Both give 4 international visits a year. SBI Card's forex markup is 1.99% against HDFC's 2%, and HDFC's currency conversion fee is lower at 1.75%.

Sources

HDFC Bank: Part I Key Fact Statement cum Most Important Terms and Conditions (MITC), English, Version 4.18; Terms & Conditions – Tata Neu Infinity HDFC Bank Credit Card; Tata Neu Infinity HDFC Bank Credit Card (AMP page); Tata Neu and HDFC Bank partner to create one of India's most rewarding co-branded credit cards (press release); Tata NeuCoins Claim and Redemption Process on Tata Neu HDFC Bank Credit Card
SBI Cards and Payment Services Ltd: Most Important Terms & Conditions (PDF 'MITC- Common-30OCT26', Ver FY 27, 16); Tata Neu Infinity SBI Card T&C booklet; Tata Neu Infinity SBI Card product page (page content served from SBI Card's card data file); SBI Card credit cards listing page, 'Get ready to apply' checklist (content file /templatedata/common/content-tab); SBI Card credit cards listing page, 'Get ready to apply' checklist

Last verified: 5 November 2026

Written by Anjali Bhargawa, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.