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SBI Cashback Credit Card vs Tata Neu Infinity SBI Card Compared

Which credit card suits you? Side by side on the numbers that decide it. A blank means the provider has not published that figure, not that it is zero. Data last verified: 11 October 2026.

SBI Cashback Credit Card versus Tata Neu Infinity SBI Card compared
FeatureSBI Cashback Credit CardSBI Cashback Credit CardState Bank of India5 recent changes →
Tata Neu Infinity SBI CardTata Neu Infinity SBI CardState Bank of India3 recent changes →
Rewards by spend
Rewards1% base, up to 5% on online shopping1.5% on most spends; 5% only at partner merchants
UPI payments (scan and pay)Earns nothing1.5%
Online shopping5%1.5%; 5% only at Tata Neu & Tata brands
Dining and food delivery1%1.5%
Groceries1%1.5%
Travel: flights, hotels, trains1%1.5%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing1.5%
RentsameEarns nothingEarns nothing
Insurance premiumsEarns nothing1.5%
School and college feessameEarns nothingEarns nothing
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currency1%1.5%
Everything else1%1.5%
Card identity
Card typesameShoppingShopping
NetworkVisaRuPay
Card tiersameMidMid
Fees
Joining fee₹999 + GST₹1,499 + GST
Annual fee₹999 + GST₹1,499 + GST
Fee waived at₹2,00,000₹3,00,000
Eligibility
Min age-21 years
Max age-70 years
Employment typesameBOTHBOTH
Min credit score650-
Rewards
Reward typesameCashbackCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiversameYesYes
Fuel waiver cap₹100-
Lounge access
Domestic lounge visits-8
International lounge visits-4
Lounge programme-PRIORITY_PASS
Priority PassNoYes
Lounge condition-Spend Rs 75,000 in the previous quarter for domestic lounge access
Forex and international
Forex markup3.5%1.99%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)3.75%-
Interest rate (annual)45%-
Page content
EligibilityAge: 21 to 65 years Employment: Both salaried and self-employed individuals Minimum Income: Rs 30,000 Credit Score: 650+ with no delayed payments in the past 12 months New-to-Credit: Allowed only for salaried applicants-
Documents neededID Proof: PAN Card/Form 60 Address Proof: Aadhaar, Passport, or utility bills Income Proof: Bank statements or salary slips Photograph: Recent passport-sized photoPAN card Aadhaar / address proof Income proof (salary slips or ITR) Recent passport-size photograph
ApplyApply NowApply Now

Worth in Rupees at ₹20,000 a Month

SBI Cashback Credit Card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800
Tata Neu Infinity SBI Card
Rewards a year
₹3,600
Fee a year
- ₹1,769
You keep
₹1,831

At this spend, SBI Cashback Credit Card comes out ₹2,969 a year ahead of Tata Neu Infinity SBI Card. Worked out from each card's published reward rate, caps and fee, on ₹20,000 a month. Your own spend changes the answer: try the rewards calculator.

Best For

SBI Cashback Credit Card
  • Heavy online shoppers
  • People who want plain cashback, not points
  • Shoppers who use many different websites
Tata Neu Infinity SBI Card
  • Heavy Tata Neu shoppers
  • Families who shop mostly with Tata brands
  • International travellers wanting low forex

Watch-Outs

SBI Cashback Credit Card
  • No cashback on utilities, insurance, fuel, rent, wallets or EMIs
  • 5% stops after Rs 40,000 online spend a month
  • No airport lounge access
  • 3.5% forex fee
Tata Neu Infinity SBI Card
  • NeuCoins expire in 12 months and work only on Tata
  • Domestic lounges need Rs 75,000 quarterly spend
  • Domestic lounge list has no metro airports
  • No rewards on fuel, rent, wallets or EMIs

Card data sourced via CardAdvisor.in (SBI Cashback Credit Card, Tata Neu Infinity SBI Card), India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

Questions People Ask

Which has the lower annual fee, SBI Cashback Credit Card or Tata Neu Infinity SBI Card?

SBI Cashback Credit Card. SBI Cashback Credit Card: ₹999; Tata Neu Infinity SBI Card: ₹1,499. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

Tata Neu Infinity SBI Card has the lowest forex markup. Tata Neu Infinity SBI Card: 1.99%; SBI Cashback Credit Card: 3.5%. The markup is charged on every foreign-currency transaction, before GST.

Which earns more on everyday spending?

On spends outside any bonus category: Tata Neu Infinity SBI Card 1.5%, SBI Cashback Credit Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.

Can I hold more than one of these cards?

Usually yes, if each bank approves you. Many people keep one card for everyday spending and another for a specific use such as travel. Each application is a separate credit check.

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