Share

SBI Cashback vs Tata Neu Plus HDFC Bank Credit 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 Plus HDFC Bank Credit Card compared
FeatureSBI Cashback Credit CardSBI Cashback Credit CardState Bank of India5 recent changes →
Tata Neu Plus HDFC Bank Credit CardTata Neu Plus HDFC Bank Credit CardHDFC Bank6 recent changes →
Rewards by spend
Rewards1% base, up to 5% on online shopping1% on most spends; 2% only at partner merchants
UPI payments (scan and pay)Earns nothing1%
Online shopping5%1%; 2% only at Tata Neu, BigBasket, Croma, Tata CLiQ, 1mg
Dining and food deliverysame1%1%
Groceriessame1%1%
Travel: flights, hotels, trainssame1%1%
FuelsameEarns nothingEarns nothing
Bills and rechargesEarns nothing1%
RentsameEarns nothingEarns nothing
Insurance premiumsEarns nothing1%; 1% only at LIC and other insurers, paid via bill payments on the Tata Neu app
School and college feesEarns nothing1%
Wallet top-upssameEarns nothingEarns nothing
Taxes and government paymentssameEarns nothingEarns nothing
Spend abroad or in a foreign currencysame1%1%
Everything elsesame1%1%
Card identity
Card typesameShoppingShopping
NetworkVisaRuPay
Card tiersameMidMid
Fees
Joining fee₹999 + GST₹499 + GST
Annual fee₹999 + GST₹499 + GST
Fee waived at₹2,00,000₹1,00,000
Eligibility
Min age-21 years
Max age-60 years
Employment typeBOTH-
Min monthly salary-₹25,000
Min credit score650-
Rewards
Reward typeCashbackReward points
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverYesNo
Fuel waiver cap₹100₹250
Lounge access
Domestic lounge visits-4
International lounge visits-0
Lounge condition-Spend Rs 50,000 in the same quarter for domestic lounge access
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPINoYes
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%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 photo-
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 Plus HDFC Bank Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400

At this spend, SBI Cashback Credit Card comes out ₹2,400 a year ahead of Tata Neu Plus HDFC Bank Credit 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 Plus HDFC Bank Credit Card
  • Tata Neu app users
  • UPI users wanting a RuPay card
  • Beginners wanting a low-fee card

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 Plus HDFC Bank Credit Card
  • NeuCoins expire in 12 months and work only on Tata
  • No rewards on fuel, rent, wallets or gift cards
  • Lounge visits need Rs 50,000 quarterly spend

Card data sourced via CardAdvisor.in (SBI Cashback Credit Card, Tata Neu Plus HDFC Bank Credit 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 Plus HDFC Bank Credit Card?

Tata Neu Plus HDFC Bank Credit Card. Tata Neu Plus HDFC Bank Credit Card: ₹499; SBI Cashback Credit Card: ₹999. Check whether a spend-based waiver applies before you decide.

Which is better for spending abroad?

SBI Cashback Credit Card has the lowest forex markup. SBI Cashback Credit Card: 3.5%; Tata Neu Plus HDFC Bank 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: SBI Cashback Credit Card 1%, Tata Neu Plus HDFC Bank 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.

Work Out the Numbers

Other Comparisons

We earn a commission if you are approved, and you pay nothing extra. How we make money.

Compare all the credit cards we list

Credit Cards

Guides in Plain Words

Short reads that explain how it works before you decide.

All Credit Cards guides
SkyloFin - Expense Tracker

Your Money. One Clear View.

Automatically organise your spending, track expenses and understand where your money goes.

  • Reads bank SMS No account linking, no passwords.
  • Sorts every rupee Into categories you can edit.
  • Bills and cards Statements found, due dates reminded.
  • Your Google Drive Backed up to you, never to us.
Get the AppSee how it works