Tata Neu, which was released in April 2022, is Tata Group’s super app that consolidates top brands such as Croma, BigBasket, Air India, Westside, and Tata 1mg. Main featuret of the platform is NeuCoins, the single rewards currency that users earn and redeem throughout the Tata universe.
In order to increase the value of this loyalty program, Tata joined hands with India’s leading banks to roll out co-branded credit cards. HDFC Bank rolled out the Tata Neu HDFC Credit Cards on August 24, 2022, in Infinity and Plus variants. SBI Card followed later with its own co-branded rollout on April 16, 2025, in similar variants under the Tata Neu SBI Credit Card series.
Both cards are designed to provide accelerated rewards of NeuCoin and special advantages on Tata brand shopping. In this article, we will compare HDFC and SBI Tata Neu credit cards on the basis of features, rewards, fees, and suitable usage, which will help you decide on one that best suits your lifestyle.
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HDFC Tata Neu Plus Card Vs SBI Tata Neu Plus Card
The HDFC Tata Neu Plus Credit Card is geared towards customers who regularly use the Tata Neu app and the network of brands that go along with it. The card provides 2% NeuCoins on all spends done at Tata Neu and its associated brands such as BigBasket, Westside, and Air India. For spends other than these, customers get 1% NeuCoins. The card offers 4 free domestic lounge accesses annually and also has a fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000. The joining fee is ₹499 plus taxes, with the annual fee also being ₹499 plus taxes. Cardholders need to spend ₹1,00,000 or more per year to waive the annual fee. Customers also receive a welcome reward of 499 NeuCoins on the first transaction within 30 days from issuance.
SBI Tata Neu Plus Credit Card also makes the same offer, seeking to bring in users of the Tata Neu app. They receive 2% NeuCoins on spends through the app and partner brands. On all other purchases, they receive 1% NeuCoins. This card provides 4 free domestic lounge accesses annually and a fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 with a maximum waiver of ₹250 per statement cycle. The joining fee is ₹499 plus taxes, and the annual fee is ₹499 plus taxes. Cardholders must spend ₹1,00,000 annually to waive the renewal fee. The welcome reward consists of 499 NeuCoins, credited on the first purchase in 30 days.
The HDFC Tata Neu Plus and SBI Tata Neu Plus credit cards both have some commonalities. Both cards give the same 2% NeuCoins on Tata Neu and partner brand transactions, 1% NeuCoins on other spends. Both cards give 4 domestic lounge accesses in a year and a fuel surcharge waiver for transactions between ₹400 and ₹5,000. The joining fee and the annual fee are the same at ₹499 plus taxes, and the renewal fee can be exempted by spending ₹1,00,000 in a year. Both cards also offer the same welcome benefit of 499 NeuCoins on the first transaction within 30 days of card issuance.
Although the HDFC Tata Neu Plus and SBI Tata Neu Plus cards have much in common, there are one or two nuanced differences. One of the main differences is that the SBI Tata Neu Plus card has a maximum waiver of ₹250 per statement cycle on fuel transactions, and the HDFC Tata Neu Plus card provides a maximum waiver of ₹500. Moreover, the SBI Tata Neu Plus card offers marginally varying terms for the waiver depending on the spending categories, while the HDFC card offers greater flexibility to customers belonging to various spending segments. The lounge access benefits and the reward scheme, however, are the same for both cards.
| Feature | HDFC Tata Neu Plus | SBI Tata Neu Plus |
|---|---|---|
| Joining Fee | ₹499 + Taxes | ₹499 + Taxes |
| Annual Fee | ₹499 + Taxes | ₹499 + Taxes |
| Annual Fee Waiver | Spend ₹1,00,000 annually | Spend ₹1,00,000 annually |
| Welcome Benefit | 499 NeuCoins on first transaction within 30 days | 499 NeuCoins on first transaction within 30 days |
| Reward Structure | 2% NeuCoins on Tata Neu & Partner brands, 1% on other spends | 2% NeuCoins on Tata Neu & Partner brands, 1% on other spends |
| Additional Rewards | No additional rewards on specific categories | 5% NeuCoins on select categories within Tata Neu |
| Milestone Benefits | None specified | None specified |
| Lounge Access | 4 domestic lounges per year | 4 domestic lounges per year (spend ₹50,000 quarterly) |
| Fuel Surcharge Waiver | 1% waiver on fuel spends between ₹400 to ₹5,000 | 1% waiver on fuel spends between ₹400 to ₹5,000 |
| Cashback on Online Shopping | No direct cashback mentioned | No direct cashback mentioned |
| NeuCoin Redemption | Redeem NeuCoins on Tata Neu app purchases | Redeem NeuCoins on Tata Neu app purchases |
| Reward Points Capping | 2,000 NeuCoins per day on insurance spend | 2,000 NeuCoins per month on insurance spend |
| Eligibility Criteria | Similar to standard HDFC credit card eligibility | Similar to standard SBI credit card eligibility |
| Other Benefits | Fuel surcharge waiver, welcome gifts, and more | Fuel surcharge waiver, welcome gifts, and more |
HDFC Tata Neu Infinity Vs SBI Tata Neu Infinity
The HDFC Tata Neu Infinity Credit Card provides high-end benefits designed for regular users of the Tata Neu ecosystem. Cardholders receive 5% NeuCoins on all spends done through the Tata Neu app and partner brands like BigBasket, Westside, Air India, and Croma. On other purchases, users receive 1% NeuCoins. The card offers 8 free domestic lounge visits a year and 4 international lounge visits under the Priority Pass scheme. The annual and joining fee is ₹1,499 plus taxes, and waiver on annual spends of ₹5,00,000 and above is available. A welcome gift of 1,499 NeuCoins is credited on the first transaction within 30 days of card issuance.
The SBI Tata Neu Infinity Card has the same rewards and benefits with an emphasis on improving customer experience in the Tata Neu platform. Cardholders get 5% NeuCoins on spends done through the Tata Neu app and partner establishments. On other spends, users get 1.5% NeuCoins, including UPI transactions on the RuPay network. The card gives 12 free domestic lounge accesses per year and 2 international lounge accesses. The joining and annual charge is ₹1,499 plus taxes, with annual spends of ₹3,00,000 or more eligible for a waiver. A welcome reward of 1,499 NeuCoins is credited when the joining fee is paid.
Similarities Between the Cards
Both the HDFC Tata Neu Infinity and SBI Tata Neu Infinity credit cards have several similarities:
- Reward Structure: Both cards give 5% NeuCoins on spends at Tata Neu and partner brands, and 1% NeuCoins on other spends.
- Lounge Access: Both cards give free domestic and international lounge accesses.
- Annual Fee: The annual membership and joining fee of both cards is ₹1,499 plus taxes, with a waiver offered if the annual specified spend requirement is achieved.
- Welcome Benefit: Both cards provide 1,499 NeuCoins as a welcome benefit.
Differences Between the Cards
Although the primary benefits are similar, the two cards have fine distinctions in terms of benefits:
- Lounge Access: HDFC card provides 8 domestic lounge accesses and 4 international lounge accesses under Priority Pass, while SBI card gives 12 domestic lounge accesses and 2 international lounge accesses.
- Annual Fee Waiver: HDFC card waives the annual fee on spends of ₹5,00,000 and above, whereas the SBI card waives the annual fee on spends of ₹3,00,000 and above.
- UPI Transaction Rewards: The SBI card provides 1.5% NeuCoins on UPI transactions through the RuPay network, while there is no mention of this benefit on the HDFC card.
| Feature | HDFC Tata Neu Infinity | SBI Tata Neu Infinity |
|---|---|---|
| NeuCoins on Tata Neu spends | 5% NeuCoins | 5% NeuCoins |
| NeuCoins on other spends | 1% NeuCoins | 1.5% NeuCoins (includes UPI) |
| Domestic Lounge Access | 8 visits/year | 12 visits/year |
| International Lounge Access | 4 visits/year (via Priority Pass) | 2 visits/year |
| Air India Travel Benefits | Priority check-in & extra baggage | Priority check-in & extra baggage |
| Welcome Benefit | 1,499 NeuCoins | 1,499 NeuCoins |
| Joining Fee | ₹1,499 + taxes | ₹1,499 + taxes |
| Annual Fee | ₹1,499 + taxes | ₹1,499 + taxes |
| Fee Waiver Criteria | Annual spend of ₹5,00,000 | Annual spend of ₹3,00,000 |
Conclusion: Best Tata Neu Card for You?
If you’re a user looking for greater UPI usage, faster annual fee waivers, and more lounge access in India, SBI Tata Neu cards are marginally better,1.5% NeuCoins on routine and UPI spends and lesser yearly spend thresholds for fee waivers on both the Plus and Infinity cards. SBI has added domestic lounge access in the Infinity variant too, making it suitable for frequent domestic flyers.
Alternatively, if you need improved international lounge access and you already bank with HDFC or use their service network, HDFC Tata Neu cards remain highly useful, particularly with Priority Pass for international lounges on the Infinity variant and easy integration with Tata brand promotions.
In brief:
Opt for SBI Tata Neu Plus/Infinity if you need more UPI rewards, lower fee exemption levels, and regular domestic lounge visits.
Select HDFC Tata Neu Plus/Infinity if you want more extensive worldwide travel privileges and use Tata brand services more frequently.
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