HDFC Bank Tata Neu Plus 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 Plus and SimplySAVE SBI Card differ first on recurring cost: HDFC Bank Tata Neu Plus has an annual fee of ₹499 + GST against ₹499 + GST for SimplySAVE SBI Card, so holding cost is identical. On rewards, HDFC Bank Tata Neu Plus earns 1% back as NeuCoins on eligible non-Tata and merchant EMI spends while SimplySAVE SBI Card earns 1 Reward Point per ₹150 spent on all other categories. A direct forex comparison is unavailable because at least one card-specific markup is not recorded; confirm both with the issuers. 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 Plus | SimplySAVE SBI Card |
|---|---|---|
| Issuer | HDFC Bank | SBI Card |
| Joining fee | ₹499 + GST | ₹499 + GST |
| Annual fee | ₹499 + GST | ₹499 + GST |
| Fee waiver | ₹1,00,000 annual eligible spend | ₹1,00,000 annual eligible spend |
| Base rewards | 1% back as NeuCoins on eligible non-Tata and merchant EMI spends | 1 Reward Point per ₹150 spent on all other categories |
| Accelerated routes | 2% back as NeuCoins on eligible non-EMI Tata-brand spend · Eligible grocery spend · Eligible utility and telecom spend | 10 Reward Points per ₹150 on dining, movies, departmental stores and grocery |
| Reward exclusions | fuel, rent, wallet load, government, gaming, education third party, cash advance, fees | fuel |
| Forex markup | Not recorded | 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 | 1 voucher/quarter after ₹50,000 quarterly spend (up to 4/year) | none |
| International lounge | none | none |
| Card networks | Visa, RuPay | Visa, Mastercard, RuPay |
| Best suited to | tata ecosystem, entry, grocery | dining, grocery, first credit card |
| Issuer evidence | Checked 2026-08-13 | Checked 2026-08-19 |
Frequently asked questions
Is the HDFC Bank Tata Neu Plus better than the SimplySAVE SBI Card?
Neither is universally better. HDFC Bank Tata Neu Plus charges ₹499 + GST a year and earns 1% back as NeuCoins on eligible non-Tata 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 Plus or SimplySAVE SBI Card?
Both cards carry the same recorded annual fee of ₹499 + GST, so the decision rests on rewards, caps and exclusions rather than holding cost.
Which is better for international spending, HDFC Bank Tata Neu Plus or SimplySAVE SBI Card?
A card-specific forex markup is not recorded for at least one of these cards. Confirm both with the issuers before comparing international-spend cost.
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.