HDFC Bank Tata Neu Infinity vs SimplySAVE SBI Card
A field-by-field comparison of fees, reward rates, accelerated categories, caps, exclusions, lounge access and forex markup, using each issuer's own published terms. Affiliate payout never decides the verdict.
Short answer
HDFC Bank Tata Neu Infinity and SimplySAVE SBI Card differ first on recurring cost: HDFC Bank Tata Neu Infinity has an annual fee of ₹1,499 + GST against ₹499 + GST for SimplySAVE SBI Card, so SimplySAVE SBI Card is cheaper to hold. On rewards, HDFC Bank Tata Neu Infinity earns 1.5% back as NeuCoins on eligible non-Tata retail and merchant EMI spends while SimplySAVE SBI Card earns 1 Reward Point per ₹150 spent on all other categories. HDFC Bank Tata Neu Infinity has the lower forex markup at 2%. Neither card wins outright: the better choice depends on which accelerated categories match your spend, the monthly caps, the exclusions and issuer approval fit.
Source: CardMasters issuer-evidence catalogue, release 2026-08-25. Confirm final terms with the issuer.
| Feature | HDFC Bank Tata Neu Infinity | SimplySAVE SBI Card |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Joining fee | ₹1,499 + GST | ₹499 + GST |
| Annual fee | ₹1,499 + GST | ₹499 + GST |
| Fee waiver | ₹3,00,000 annual eligible spend | ₹1,00,000 annual eligible spend |
| Base rewards | 1.5% back as NeuCoins on eligible non-Tata retail and merchant EMI spends | 1 Reward Point per ₹150 spent on all other categories |
| Accelerated routes | 5% back as NeuCoins · 0.5% via any UPI ID; up to 1.5% via Tata Neu UPI ID · 1.5% back as NeuCoins, capped at 2,000 NeuCoins/month | 10 Reward Points per ₹150 on dining, movies, departmental stores and grocery |
| Reward exclusions | fuel, rent, wallet load, government, cash advance, fees, gaming, education third party | fuel |
| Forex markup | 2% | 3.5% |
| Fuel surcharge waiver | Not recorded — confirm with issuer | 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement cycle |
| Domestic lounge | 2 vouchers/quarter after ₹50,000 quarterly spend (up to 8/yr); voucher claim and validity windows apply | none |
| International lounge | 4/yr, max 1/quarter outside India; Visa Priority Pass and RuPay conditions differ | none |
| Card networks | Visa Signature, RuPay | Visa, Mastercard, RuPay |
| Best suited to | tata ecosystem, upi rewards, grocery | dining, grocery, first credit card |
| Issuer evidence | Checked 2026-07-26 | Checked 2026-08-19 |
Frequently asked questions
Is the HDFC Bank Tata Neu Infinity better than the SimplySAVE SBI Card?
Neither is universally better. HDFC Bank Tata Neu Infinity charges ₹1,499 + GST a year and earns 1.5% back as NeuCoins on eligible non-Tata retail and merchant EMI spends; SimplySAVE SBI Card charges ₹499 + GST and earns 1 Reward Point per ₹150 spent on all other categories. The better card is the one whose accelerated categories, caps and exclusions match your actual spending, after subtracting the annual fee and GST.
Which of the two has the lower annual fee, HDFC Bank Tata Neu Infinity or SimplySAVE SBI Card?
SimplySAVE SBI Card has the lower recorded annual fee at ₹499 + GST. A spend-based waiver may reduce the effective cost of the other card, so check the waiver threshold before deciding.
Which is better for international spending, HDFC Bank Tata Neu Infinity or SimplySAVE SBI Card?
HDFC Bank Tata Neu Infinity publishes the lower forex markup at 2% versus 3.5%. Also confirm whether international transactions earn rewards, since some issuers exclude them.
Can I hold both cards together?
Yes, provided each is approved on its own merits and you can pay both statements in full. Holding both makes sense only when their accelerated categories do not overlap; otherwise the second card adds an annual fee without adding rewards.