Tata Neu Infinity HDFC Bank vs CASHBACK SBI Card
Side-by-side for the example profile – edit spend and travel needs to make it yours.
Tata Neu Infinity HDFC Bank vs CASHBACK SBI Card (Sept 2026): for the standard ₹32k/month profile CASHBACK SBI Card wins on score (60/100, ₹8,834 recurring net savings a year) vs Tata Neu Infinity HDFC Bank 56/100 (₹5,634). Cheapest to hold: CASHBACK SBI Card (₹1,179 incl. GST). Edit the spend on this page to re-score for yours.
Recommendation for Typical Indian cardholder (₹32k/month)
Tata Neu Infinity HDFC Bank scores highest (56/100) with ₹5,634 recurring net savings a year. CASHBACK SBI Card saves more in pure rupees (₹8,834) but scores lower on lounge coverage.
Edit your spend and travel needs above – scores, savings and this verdict update instantly.
Standard profile
Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend
| Card | ||
|---|---|---|
| Overview | ||
| Personal score | 56/100 | 60/100 BEST |
| Recurring net savings | ₹5,634/yr | ₹8,834/yr BEST |
| Effective savings rate | 1.5% | 2.7% BEST |
| Annual fee incl. GST | Waived | Waived |
| Usable lounge visits | ✈8 dom🌏4 intl you can use 2 BEST | ✈ none you can use 0 |
| Why it fits | ✓ Base rate 1.5% on other spends earns you about ₹3,640 a year on… | ✓ 5% on all online spends (₹2,000/month cap from 1 Apr 2026) earns you… |
| Main drawback | ! No rewards on fuel – ₹36,000 of your yearly spend earns nothing here. | ! No usable lounge access although you asked for it. |
| How the net figure adds up | ||
| + Reward value on your spend | ₹5,274 at ₹1/NeuCoins | ₹8,474 at ₹1/Cashback BEST |
| + Milestone bonuses you reach | none | none |
| + Fuel surcharge waiver | ₹360 | ₹360 |
| + Lifestyle benefits you asked for | none matched | none matched |
| + Renewal bonus (only when the fee is charged) | — | — |
| − Annual fee incl. 18% GST | ₹0 waived at ₹3,00,000 spend | ₹0 waived at ₹2,00,000 spend |
| − Forex markup on international spend | none | none |
| = Recurring net savings | ₹5,634/yr | ₹8,834/yr BEST |
| ÷ Card spend counted | ₹3,87,600 UPI-only rupees excluded on non-RuPay cards | ₹3,26,640 UPI-only rupees excluded on non-RuPay cards |
| = Effective savings rate | 1.5% | 2.7% BEST |
| Rewards on your spend | ||
| Groceries & quick-commerce (₹72,000/yr) | ₹1,080 1.5% BEST | ₹432 0.6% |
| Dining & food delivery (₹48,000/yr) | ₹720 1.5% | ₹1,766 3.7% BEST |
| Online shopping (₹72,000/yr) | ₹1,080 1.5% | ₹3,600 5.0% BEST |
| Fuel (₹36,000/yr) | ₹0 0.0% | ₹0 0.0% |
| Cabs & commute (₹18,000/yr) | ₹270 1.5% BEST | ₹108 0.6% |
| Bills & utilities (₹30,000/yr) | ₹450 1.5% BEST | ₹0 0.0% |
| Flights (₹24,000/yr) | ₹360 1.5% | ₹1,200 5.0% BEST |
| Hotels (₹12,000/yr) | ₹180 1.5% | ₹600 5.0% BEST |
| Movies & OTT (₹9,600/yr) | ₹144 1.5% | ₹480 5.0% BEST |
| Insurance premiums (₹18,000/yr) | ₹270 1.5% BEST | ₹0 0.0% |
| Everything else (₹48,000/yr) | ₹720 1.5% BEST | ₹288 0.6% |
| Base earn rate | 1.5% BEST | 1% |
| Accelerated categories | 2 rules
| 1 rule
|
| Excluded categories | fuel, rent | fuel, rent, utilities, insurance, education |
| Caps hit for your spend | None | None |
| Milestones | None | None |
| UPI rewards (RuPay) | 1.5% NeuCoins on UPI (RuPay), max 500/month | Not UPI-enabled |
| Fees & first year | ||
| Joining fee | ₹1,499 + GST | ₹999 + GST |
| Fee waiver | On ₹3,00,000 annual spend | On ₹2,00,000 annual spend |
| Renewal benefit | None | None |
| Welcome benefit (first year only) | 1,499 NeuCoins on first Tata Neu transaction ≈ ₹1,499 | None |
| First-year value (separate) | ₹5,364 | ₹7,656 BEST |
| Travel | ||
| Domestic lounge entitlement | 2 per quarter | None |
| International lounge entitlement | 4 per year | None |
| Lounge condition | None | None |
| Forex markup | 2% BEST | 3.5% |
| Redemption & simplicity | ||
| Reward currency | NeuCoins · ₹1/unit | Cashback · ₹1/unit |
| How to redeem | Details1 NeuCoin = ₹1 across Tata Neu, BigBasket, Croma, Air India, Taj, Westside, 1mg. | DetailsAuto-credited to statement within two days of statement generation. |
| Redemption flexibility | ★★★☆☆ | ★★★★★ BEST |
| Simplicity | ★★★★☆ | ★★★★★ BEST |
| Lifestyle | ||
| Benefits you asked for | fuel waiver | fuel waiver |
| All lifestyle perks | fuel waiver, insurance cover | fuel waiver |
| Eligibility | Income ₹12L+/yr or ₹1L+/month salary | Income ₹3L+/yr; salaried preferred |
| Score breakdown | ||
| Net savings rate | 29/100 × 55% = 16.2 | 55/100 × 55% = 30.2 |
| Usable lounge access | 100/100 × 15% = 15.0 | 0/100 × 15% = 0.0 |
| Redemption flexibility | 60/100 × 10% = 6.0 | 100/100 × 10% = 10.0 |
| Lifestyle fit | 100/100 × 10% = 10.0 | 100/100 × 10% = 10.0 |
| Simplicity | 80/100 × 5% = 4.0 | 100/100 × 5% = 5.0 |
| Fee safety | 100/100 × 5% = 5.0 | 100/100 × 5% = 5.0 |
| Sources | ||
| Official source | HDFC Bank – Tata Neu Infinity | SBI Card – CASHBACK SBI Card |
| Last reviewed | 2026-09-12 | 2026-09-19 |
Frequently asked questions
Which is better: Tata Neu Infinity HDFC Bank or CASHBACK SBI Card?
For the example profile, CASHBACK SBI Card scores highest (60/100, ₹8,834 recurring net savings). The answer changes with your spend mix, lounge needs and fee comfort – edit the profile on this page.
Which has the lower annual fee?
Tata Neu Infinity HDFC Bank: ₹1,769 incl. GST; CASHBACK SBI Card: ₹1,179 incl. GST.