Tata Neu Infinity HDFC vs SBI Cashback
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
SBI Cashback wins 5-1. Pure online cashback — 5% on any online merchant, no partner restrictions. Tata Neu Infinity HDFC is still the right call if tata ecosystem users — croma, bigbasket, airasia, westside, taj.
Side-by-side
| Criterion | Tata Neu Infinity HDFC | SBI Cashback |
|---|---|---|
| Annual fee | · ₹1,499 | ₹999 |
| Joining fee | · ₹1,499 | ₹999 |
| Top reward rate | = 5% (shopping) | = 5% (shopping) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,499 NeuCoins on first spend (offsets joining fee) | = Cashback offsets joining fee on first ₹999+ spend |
| Fee waiver threshold | · ₹300,000 / yr | ₹200,000 / yr |
| Min income | · ₹600,000 | ₹360,000 |
| Min credit score | = 750 | = 750 |
| 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 Cashback
- 5% cashback on ALL online spends (not just listed merchants) — capped ₹5,000/month
- 1% cashback on offline spends
- Auto-credited within 2 days of statement
- 1% fuel surcharge waiver
FAQ
›Tata Neu Infinity HDFC vs SBI Cashback: which is better?
SBI Cashback wins on more dimensions (5 vs 1). 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 Cashback for online shopping. 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 Cashback: Cashback offsets joining fee on first ₹999+ spend.