Tata Neu Infinity HDFC vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Tata Neu Infinity HDFC wins 6-3. Tata ecosystem users — Croma, BigBasket, AirAsia, Westside, Taj SBI Aurum is still the right call if invitation-only super-premium sbi metal card..
Side-by-side
| Criterion | Tata Neu Infinity HDFC | SBI Aurum |
|---|---|---|
| Annual fee | ₹1,499 | · ₹9,999 |
| Joining fee | ₹1,499 | · ₹9,999 |
| Top reward rate | 5% (shopping) | · 4% (general) |
| Base reward rate | · 1.5% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = 1,499 NeuCoins on first spend (offsets joining fee) | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | ₹300,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹600,000 | · ₹3,500,000 |
| Min credit score | 750 | · 800 |
| Editorial rating | · 4.5/5 | 4.6/5 |
Benefits compared
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)
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›Tata Neu Infinity HDFC vs SBI Aurum: which is better?
Tata Neu Infinity HDFC wins on more dimensions (6 vs 3). 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 Tata Neu Infinity HDFC for its best categories, SBI Aurum for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Tata Neu Infinity HDFC: 1,499 NeuCoins on first spend (offsets joining fee). SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.