SBI SimplyClick vs Tata Neu Infinity HDFC
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI SimplyClick wins 6-2. First card for online buyers, low entry fee Tata Neu Infinity HDFC is still the right call if tata ecosystem users — croma, bigbasket, airasia, westside, taj.
Side-by-side
| Criterion | SBI SimplyClick | Tata Neu Infinity HDFC |
|---|---|---|
| Annual fee | ₹499 | · ₹1,499 |
| Joining fee | ₹499 | · ₹1,499 |
| Top reward rate | 10% (shopping) | · 5% (shopping) |
| Base reward rate | · 1.25% | 1.5% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 1,499 NeuCoins on first spend (offsets joining fee) |
| Fee waiver threshold | ₹100,000 / yr | · ₹300,000 / yr |
| Min income | ₹300,000 | · ₹600,000 |
| Min credit score | 700 | · 750 |
| Editorial rating | · 4.4/5 | 4.5/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
Tata Neu Infinity HDFC
- 5% NeuCoins on Tata Neu app & partner brands (Croma, BigBasket, Westside, AirAsia)
- 1.5% NeuCoins on UPI and other transactions
- 8 complimentary domestic + 4 international lounge visits / year
- 1 NeuCoin = ₹1, redeemable at any Tata brand
- 1% fuel surcharge waiver (₹500/month cap)
FAQ
›SBI SimplyClick vs Tata Neu Infinity HDFC: which is better?
SBI SimplyClick wins on more dimensions (6 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI SimplyClick for online shopping, Tata Neu Infinity HDFC for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. Tata Neu Infinity HDFC: 1,499 NeuCoins on first spend (offsets joining fee).