Tata Neu Plus HDFC Bank Credit Card vs 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.
| Feature |  Tata Neu Plus HDFC Bank Credit CardHDFC Bank6 recent changes → |  Tata Neu Plus SBI CardState Bank of India3 recent changes → | |
|---|---|---|---|
| Rewards by spend | |||
| Rewardssame | 1% on most spends; 2% only at partner merchants | 1% on most spends; 2% only at partner merchants | |
| UPI payments (scan and pay)same | 1% | 1% | |
| Online shopping | 1%; 2% only at Tata Neu, BigBasket, Croma, Tata CLiQ, 1mg | 1%; 2% only at Tata Neu & Tata brands | |
| Dining and food deliverysame | 1% | 1% | |
| Groceriessame | 1% | 1% | |
| Travel: flights, hotels, trainssame | 1% | 1% | |
| Fuelsame | Earns nothing | Earns nothing | |
| Bills and rechargessame | 1% | 1% | |
| Rentsame | Earns nothing | Earns nothing | |
| Insurance premiums | 1%; 1% only at LIC and other insurers, paid via bill payments on the Tata Neu app | 1% | |
| School and college fees | 1% | Earns nothing | |
| Wallet top-upssame | Earns nothing | Earns nothing | |
| Taxes and government paymentssame | Earns nothing | Earns nothing | |
| Spend abroad or in a foreign currencysame | 1% | 1% | |
| Everything elsesame | 1% | 1% | |
| Card identity | |||
| Card typesame | Shopping | Shopping | |
| Networksame | RuPay | RuPay | |
| Card tier | Mid | Entry | |
| Fees | |||
| Joining feesame | ₹499 + GST | ₹499 + GST | |
| Annual feesame | ₹499 + GST | ₹499 + GST | |
| Fee waived atsame | ₹1,00,000 | ₹1,00,000 | |
| Eligibility | |||
| Min agesame | 21 years | 21 years | |
| Max age | 60 years | 70 years | |
| Min monthly salary | ₹25,000 | - | |
| Rewards | |||
| Reward type | Reward points | Cashback | |
| Point valuesame | ₹1 | ₹1 | |
| Fuel surcharge | |||
| Fuel surcharge waiver | No | Yes | |
| Fuel waiver cap | ₹250 | - | |
| Lounge access | |||
| Domestic lounge visitssame | 4 | 4 | |
| International lounge visitssame | 0 | 0 | |
| Lounge condition | Spend Rs 50,000 in the same quarter for domestic lounge access | Spend Rs 50,000 in the previous quarter for domestic lounge access | |
| Forex and international | |||
| Forex markupsame | 3.5% | 3.5% | |
| UPI rewards | |||
| Works on UPIsame | Yes | Yes | |
| Interest and charges | |||
| Interest rate (monthly) | 3.75% | - | |
| Interest rate (annual) | 45% | - | |
| Apply | Apply Now | Apply Now | |
Worth in Rupees at ₹20,000 a Month
- Rewards a year
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
- Rewards a year
- ₹2,400
- Fee a year
- ₹0
- You keep
- ₹2,400
At this spend the two come out level. 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 app users
- UPI users wanting a RuPay card
- Beginners wanting a low-fee card
- Regular Tata Neu shoppers
- UPI users wanting a RuPay card
- Beginners wanting a low-fee card
Watch-Outs
- 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
- NeuCoins expire in 12 months and work only on Tata
- Lounge list has no metro airports
- No rewards on fuel, rent, wallets or EMIs
- 3.5% forex fee
Card data sourced via CardAdvisor.in (Tata Neu Plus HDFC Bank Credit Card, Tata Neu Plus SBI 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 Tata Neu Plus SBI Card?
They charge the same annual fee. Tata Neu Plus HDFC Bank Credit Card: ₹499; Tata Neu Plus SBI Card: ₹499.
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%; Tata Neu Plus SBI 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%, Tata Neu Plus SBI Card 1%. Bonus categories, rates limited to named merchants and monthly caps change the picture, so compare the rewards by spend too.
Which gives airport lounge access?
Tata Neu Plus HDFC Bank Credit Card: 4 domestic lounge visits a year; Tata Neu Plus SBI Card: 4 domestic lounge visits a year. Some cards need a minimum spend in the quarter before a visit counts, so check the lounge terms.
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
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Guides in Plain Words
Short reads that explain how it works before you decide.
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