A major success in the Indian credit card market, HDFC Tata Neu Credit Cards were introduced in 2022, and since then, over two million cards have been issued. When combined with the Tata Ecosystem, these cards are highly rewarding, which is the primary factor in their popularity. These cards allow users to earn NeuCoins as rewards. The Tata Neu ecosystem is a one-stop digital platform for shopping, travel, groceries, electronics, healthcare, and even dining. Whether you’re booking Air India flights, ordering from BigBasket, or shopping at Croma or Tata CLiQ, every transaction earns you NeuCoins.
Now, in 2025, SBI has entered the scene with its newly launched SBI Tata Neu Credit Cards.
Both HDFC and SBI offer two variants under this co-branded partnership. The Tata Neu Plus variant is an entry-level option priced affordably at ₹499. The Tata Neu Infinity variant is slightly premium compared to the Plus variant, available at an annual fee of ₹1,499, which is the same for both issuers. That raises another question: if the cards have identical fee structures, what are the key differences between the two? And more importantly, how should one decide which card and which bank is the right fit?
HDFC Tata Neu Infinity Vs SBI Tata Neu Infinity
The Tata Neu Infinity HDFC credit card and the Tata Neu Infinity SBI credit card both come with an annual fee of ₹1,499 + GST, which can be offset by the identical welcome benefit of 1,499 NeuCoins. Additionally, both cards offer an annual fee waiver on spending ₹3 lakh or more in a membership year.
When it comes to rewards, both cards offer the same earning structure:
- 5% NeuCoins on Tata brand purchases.
- Up to 10% NeuCoins on select TataNeu categories.
- 1.5% NeuCoins on UPI transactions via their RuPay variants, capped at 500 NeuCoins per month.
The rewards earned using this credit card can be redeemed against the following brands via the TataNeu app/website:
- Air India, Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, and Qmin.
- The value of 1 NeuCoin = ₹1
In terms of lifestyle privileges, both cards offer the following –
- 8 complimentary domestic airport lounge visits per year (2 per quarter).
- 4 complimentary international lounge visits per year (1 per quarter).
The key difference between the two cards is that the SBI variant requires users to spend ₹75,000 in the previous quarter to unlock lounge access, whereas the HDFC variant requires spends of ₹50,000 in the previous quarter.
Another important feature of this co-branded card is the low forex markup fee of 1.99% for Tata Neu Infinity SBI and 2% for Tata Neu Infinity HDFC.
| Particulars | Tata Neu Infinity HDFC | Tata Neu Infinity SBI |
| Annual Fee | ₹1,499 + GST | ₹1,499 + GST |
| Welcome Benefits | 1,499 NeuCoins | 1,499 NeuCoins |
| Spend-Based Fee Waiver | Annual Fee can be Waived on Spending ₹3 Lakh in a Year | Annual Fee can be Waived on Spending ₹3 Lakh in a Year |
| Rewards Rate | 5% NeuCoins on Tata Brand PurchasesUp to 10% NeuCoins on Select Categories on TataNeu1.5% NeuCoins on UPI Transactions via RuPay Variants | 5% NeuCoins on Tata Brand PurchasesUp to 10% NeuCoins on Select Categories on TataNeu1.5% NeuCoins on UPI Transactions via RuPay Variants |
| Reward Redemption | 1 NeuCoin = ₹1 | 1 NeuCoin = ₹1 |
| Lifestyle Perks | 8 Complimentary Domestic Airport Lounge Visits Per Year (2 per quarter)4 Complimentary International Lounge Accesses Per Year (1 per quarter)On Spending ₹50,000 in the Previous Quarter | 8 Complimentary Domestic Airport Lounge Visits Per Year (2 per quarter)4 Complimentary International Lounge Accesses Per Year (1 per quarter)On Spending ₹75,000 in the Previous Quarter |
| Forex Markup Fee | 2% | 1.99% |
HDFC Tata Neu Plus Vs SBI Tata Neu Plus
The Tata Neu Plus HDFC Credit Card and the Tata Neu Plus SBI Credit Card are the entry-level options in this co-branded lineup. They both come at an annual fee of ₹499 + GST. Cardholders also receive 499 Neu coins as a welcome bonus, which offsets the annual fee. The annual fee, however, can be waived off if a user spends ₹1 lakh in a year.
For the reward system with the card, both cards follow the same NeuCoin-based structure:
- 2% back as NeuCoins on spends made via the Tata Neu App, Tata website, and Tata partner brands.
- An additional 5% NeuCoins on select category purchases made exclusively through the Tata Neu App or Website.
- 1% NeuCoins on all other eligible transactions, including UPI payments.
These Neu coins can be used at the Tata Neu app for various Tata brands. Each NeuCoin = ₹1.
For the lifestyle benefits with the card, users get 4 complimentary domestic airport lounge visits.
The only difference between the two cards is that Tata Neu Plus HDFC requires a minimum spend of ₹50,000 in the previous quarter criterion for lounge access, whereas Tata Neu Plus SBI only allows lounge visits to users who have made spends of ₹50,000 in the previous quarter.
| Particulars | Tata Neu Plus HDFC | Tata Neu Plus SBI |
| Annual Fee | ₹499 + GST | ₹499 + GST |
| Welcome Benefits | 499 NeuCoins | 499 NeuCoins |
| Spend-Based Fee Waiver | Annual Fee can be Waived on Spending ₹1 Lakh in a Year | Annual Fee can be Waived on Spending ₹1 Lakh in a Year |
| Rewards Rate | 2% NeuCoins on Tata Brand PurchasesUp to 5% NeuCoins on Select Categories on TataNeu1% NeuCoins on All Other Eligible Spends & UPI Transactions via RuPay Variants | 2% NeuCoins on Tata Brand PurchasesUp to 5% NeuCoins on Select Categories on TataNeu1% NeuCoins on All Other Eligible Spends & UPI Transactions via RuPay Variants |
| Reward Redemption | 1 NeuCoin = ₹1 | 1 NeuCoin = ₹1 |
| Lifestyle Perks | 4 Complimentary Domestic Lounge Accesses Per Year (1 per quarter)On Spending ₹50,000 in the Previous Quarter | 4 Complimentary Domestic Lounge Accesses Per Year (1 per quarter)On Spending ₹50,000 in the Previous Quarter |
Similarities & Differences: HDFC and SBI Tata Neu Credit Cards
The newly launched Tata Neu co-branded credit cards from SBI are nearly identical to the existing HDFC Tata Neu Credit Cards in terms of structure and benefits. The HDFC Tata Neu Credit Cards have already been a popular choice, mainly due to HDFC’s flexible approach, which often offers these cards as First Year Free or even Lifetime Free, encouraging more users to choose them.
SBI, on the other hand, is known for its rigid approach to fees and charges. They stick to standard rates regardless of the customer’s relationship with the bank or their spending behavior. This may cause users to choose something that is offered as lifetime free or at least free of a joining fee. It is rational for a customer to choose an option that is both rewarding and less expensive.
HDFC or SBI: Which Tata Neu Credit Card Suits You Best?
Whether you choose HDFC or SBI, both Tata Neu co-branded credit cards offer great value for anyone who frequently shops within the Tata ecosystem. If you’re someone who plans to take full advantage of the complimentary airport lounge access, these cards are certainly worth the value. However, after the recent devaluation of HDFC Tata Neu Credit Cards, both SBI and HDFC Tata Neu Credit Cards offer spend-based airport lounge access.
HDFC Tata Neu Credit Cards have the edge when it comes to flexibility and fee waivers, making them a more attractive long-term pick for most users, especially if you’re planning to explore the Tata Neu ecosystem fully, which only stands true if the card is not devalued anytime soon.
FAQs
Are the reward structures the same for both HDFC and SBI Tata Neu Credit Cards?
Yes, both issuers have identical NeuCoin reward rates for the Plus and Infinity variants, where 1 NeuCoin = ₹1 on Tata Neu partner brands.
Which card offers international lounge access?
HDFC Tata Neu Infinity Credit Cards offer four complimentary international lounge accesses with a minimum spend requirement of ₹50,000, whereas SBI requires users to meet a quarterly spend threshold of ₹75,000.
Can I get a Tata Neu Infinity or Plus credit card as a Lifetime Free card?
HDFC frequently offers its customers waived joining and renewal fees, including Lifetime Free or First Year Free options. These can be checked for on the Tata Neu App or HDFC’s website.
Which card is better for international usage?
The Tata Neu Infinity Credit Cards have a slightly lower foreign exchange markup fee of up to 2%.
Is UPI spending eligible for rewards on Tata Neu credit cards?
Yes, the HDFC and SBI Tata Neu Credit Cards, powered by the RuPay platform, allow you to earn NeuCoins on UPI transactions up to 1.5%.
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