Tata Neu Infinity HDFC vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Tata Neu Infinity HDFC wins 4-1. Tata ecosystem users — Croma, BigBasket, AirAsia, Westside, Taj SBI Prime is still the right call if step up from simplyclick with lounge access..
Side-by-side
| Criterion | Tata Neu Infinity HDFC | SBI Prime |
|---|---|---|
| Annual fee | ₹1,499 | · ₹2,999 |
| Joining fee | ₹1,499 | · ₹2,999 |
| Top reward rate | = 5% (shopping) | = 5% (shopping) |
| Base reward rate | 1.5% | · 1.25% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = 1,499 NeuCoins on first spend (offsets joining fee) | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | = ₹300,000 / yr | = ₹300,000 / yr |
| Min income | · ₹600,000 | ₹480,000 |
| Min credit score | = 750 | = 750 |
| Editorial rating | 4.5/5 | · 4.2/5 |
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 Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›Tata Neu Infinity HDFC vs SBI Prime: which is better?
Tata Neu Infinity HDFC wins on more dimensions (4 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 Prime 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 Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).