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Tata Neu Plus HDFC Bank vs SBI Cashback 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.

Tata Neu Plus HDFC Bank Credit Card versus SBI Cashback Credit Card compared
FeatureTata Neu Plus HDFC Bank Credit CardTata Neu Plus HDFC Bank Credit CardHDFC Bank6 recent changes →
SBI Cashback Credit CardSBI Cashback Credit CardState Bank of India5 recent changes →
Rewards by spend
Rewards1% on most spends; 2% only at partner merchants1% base, up to 5% on online shopping
UPI payments (scan and pay)1%Earns nothing
Online shopping1%; 2% only at Tata Neu, BigBasket, Croma, Tata CLiQ, 1mg5%
Dining and food deliverysame1%1%
Groceriessame1%1%
Travel: flights, hotels, trainssame1%1%
FuelsameEarns nothingEarns nothing
Bills and recharges1%Earns nothing
RentsameEarns nothingEarns nothing
Insurance premiums1%; 1% only at LIC and other insurers, paid via bill payments on the Tata Neu appEarns nothing
School and college fees1%Earns nothing
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
NetworkRuPayVisa
Card tiersameMidMid
Fees
Joining fee₹499 + GST₹999 + GST
Annual fee₹499 + GST₹999 + GST
Fee waived at₹1,00,000₹2,00,000
Eligibility
Min age21 years-
Max age60 years-
Employment type-BOTH
Min monthly salary₹25,000-
Min credit score-650
Rewards
Reward typeReward pointsCashback
Point valuesame₹1₹1
Fuel surcharge
Fuel surcharge waiverNoYes
Fuel waiver cap₹250₹100
Lounge access
Domestic lounge visits4-
International lounge visits0-
Lounge conditionSpend Rs 50,000 in the same quarter for domestic lounge access-
Forex and international
Forex markupsame3.5%3.5%
UPI rewards
Works on UPIYesNo
Interest and charges
Interest rate (monthly)same3.75%3.75%
Interest rate (annual)same45%45%
Page content
Eligibility-Age: 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 needed-ID 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

Tata Neu Plus HDFC Bank Credit Card
Rewards a year
₹2,400
Fee a year
₹0
You keep
₹2,400
SBI Cashback Credit Card
Rewards a year
₹4,800
Fee a year
₹0
You keep
₹4,800

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

Tata Neu Plus HDFC Bank Credit Card
  • Tata Neu app users
  • UPI users wanting a RuPay card
  • Beginners wanting a low-fee card
SBI Cashback Credit Card
  • Heavy online shoppers
  • People who want plain cashback, not points
  • Shoppers who use many different websites

Watch-Outs

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
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

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

Questions People Ask

Which has the lower annual fee, Tata Neu Plus HDFC Bank Credit Card or SBI Cashback 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?

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