# Tata Neu HDFC vs Tata Neu SBI Card: Infinity and Plus Compared > Tata Neu Infinity and Plus cards from HDFC Bank and SBI Card compared: NeuCoin rates, UPI rewards, lounge spend triggers, fee waivers, forex markup and HDFC's manual claim rule. - **Published**: 2026-11-05 - **Modified**: 2026-11-05 - **Category**: credit-cards - **URL**: https://www.tldr.money/articles/credit-cards/tata-neu-hdfc-vs-sbi-credit-card --- Our [credit cards guide](/credit-cards) explains how to judge any card. Tata Neu's cards used to be HDFC Bank only; SBI Card now issues **Tata Neu Infinity** and **Tata Neu Plus** too. This page compares all four. **Last updated: 5 November 2026.** Educational, not advice. Eligible Tata brands and NeuPass categories change; check the issuer pages before applying. ## Infinity: HDFC vs SBI | Feature | Tata Neu Infinity HDFC | Tata Neu Infinity SBI | |---|---|---| | Fee | INR 1,499 + taxes | INR 1,499 + taxes | | Fee waiver | INR 3 lakh annual spend | INR 3 lakh annual spend | | Welcome | 1,499 NeuCoins, claimed in the Tata Neu app | 1,499 NeuCoins within 15 days of fee payment | | Tata Neu and partner Tata brands | 5% | 5% | | Extra on select Tata Neu categories | 5% via NeuPass | Up to 5% | | Other spends | 1.5% (non-UPI) | 1.5%, incl. UPI on RuPay | | UPI | 0.5% + 1% with Tata Neu UPI ID, max 500 NeuCoins a month | Within the 1.5% (RuPay) | | Domestic lounges | 2 a quarter on INR 50,000 spend in that quarter (8 a year) | 2 a quarter on INR 75,000 spend in the previous quarter (8 a year) | | International lounges | 4 a year via Priority Pass (1 a quarter) | 4 a year via Priority Pass (1 a quarter) | | Forex markup | Check HDFC's fee schedule | 1.99% | | Fuel surcharge waiver | 1% on INR 400-INR 5,000, up to INR 500 a cycle | 1% on INR 500-INR 4,000, up to INR 500 a cycle | | How NeuCoins arrive | Claim in app from 25 Nov 2026 statements | Auto-credited within 7 working days of statement | ## Plus: HDFC vs SBI | Feature | Tata Neu Plus HDFC | Tata Neu Plus SBI | |---|---|---| | Fee | INR 499 + taxes | INR 499 + taxes | | Fee waiver | INR 1 lakh annual spend | INR 1 lakh annual spend | | Welcome | 499 NeuCoins | 499 NeuCoins | | Tata brands / other spends | 2% / 1% | 2% / 1% | | UPI | 0.25% + 0.75% with Tata Neu UPI ID, max 500 a month | Not stated on SBI's page | | Domestic lounges | 1 a quarter on INR 50,000 spend (4 a year) | 1 a quarter on INR 50,000 previous-quarter spend (4 a year) | | Fuel surcharge waiver | Up to INR 250 a cycle | Up to INR 250 a cycle | ## The HDFC caps HDFC's Infinity caps NeuCoins at 2,000 a month each on groceries, utilities, telecom and cable, and insurance (Plus: 1,000 on groceries). Both HDFC cards pay nothing on fuel, wallet loads, rent, government payments, online gaming, or education paid through third-party apps. The extra 5% through NeuPass excludes Tata Pay bill payments, Tanishq, Cult.fit, Air India and Tata Play, and since 15 January 2025 counts only on the primary cardholder's Tata Neu account. SBI's pages don't list category caps for these cards. Read SBI's terms booklet before you move large bill payments to them. ## The maths for Infinity Say you spend INR 10,000 a month at Tata brands (BigBasket, Croma, Westside and so on) and INR 15,000 elsewhere, INR 3 lakh a year: - Tata brands: INR 1.2 lakh x 5% = 6,000 NeuCoins - Other: INR 1.8 lakh x 1.5% = 2,700 NeuCoins - Year: **8,700 NeuCoins**, worth INR 8,700 if you spend them at Tata brands - Fee: waived on both, since you reached INR 3 lakh The earnings match. The difference is whether you remember to claim on HDFC, and whether you spend abroad, where SBI's 1.99% markup helps. ## Which one to pick - **SBI Infinity** if you travel abroad or prefer NeuCoins credited automatically. - **HDFC Infinity** if you pay a lot by UPI with the Tata Neu UPI ID, or want domestic lounges at INR 50,000 a quarter. - **Plus (either)** if your Tata spend is small; at INR 499 and a INR 1 lakh waiver it is easy to keep free. If you hold the HDFC card, set a reminder to claim NeuCoins every month; see [claiming Tata Neu HDFC NeuCoins](/articles/credit-cards/tata-neu-hdfc-claim-neucoins). SBI Card cardholders face a 1% fee on large fuel and transport spends from 1 December; see [SBI Card's 1% fee](/articles/credit-cards/sbi-card-1-percent-fee-fuel-transport-december-2026). ## Sources - HDFC Bank, Tata Neu Infinity HDFC Bank Credit Card: https://www.hdfc.bank.in/credit-cards/tata-neu-infinity-hdfc-bank-credit-card - HDFC Bank, Tata Neu Plus HDFC Bank Credit Card: https://www.hdfc.bank.in/credit-cards/tata-neu-plus-hdfc-bank-credit-card - HDFC Bank, NeuCoins claim process: https://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdfs/TataNeuCC_neucoins_Claim.pdf - SBI Card, Tata Neu Infinity SBI Card: https://www.sbicard.com/en/personal/credit-cards/tata-neu-infinity-sbi-card.html - SBI Card, Tata Neu Plus SBI Card: https://www.sbicard.com/en/personal/credit-cards/tata-neu-plus-sbi-card.html - Example figures: tldr.money calculation --- - [More credit-cards articles](https://www.tldr.money/articles/category/credit-cards) - [All articles](https://www.tldr.money/articles)