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Side-by-Side Comparison|Updated March 2026

City Union Bank SimplySAVE SBI Card vs HDFC Bank - Tata Neu Infinity HDFC Bank

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

City Union Bank

City Union Bank SimplySAVE SBI Card

6.8/10
Annual Fee₹499
Base Rewards0.16666666666666669%
NetworkVisa
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HDFC Bank

HDFC Bank - Tata Neu Infinity HDFC Bank

8.8/10
Annual Fee₹1,499
Base Rewards1.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureCity Union Bank SimplySAVE SBI CardHDFC Bank - Tata Neu Infinity HDFC Bank
Annual Fee₹499₹1,499
Joining Fee₹499₹1,499
Fee Waiver Spend₹1,00,000₹3,00,000
Base Reward Rate0.16666666666666669%1.5%
Reward CurrencyReward PointsNeuCoins
NetworkVisaVisa
Editor Rating6.8/108.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

City Union Bank SimplySAVE SBI Card

  • 1.67% on Dining
  • 1.67% on Movies
  • 1.67% on Grocery
  • 1.67% on Departmental Stores

HDFC Bank - Tata Neu Infinity HDFC Bank

  • 0% on Tata Neu App/Website
  • 0% on Partner Tata Brands
  • 0% on UPI Spends

Pros & Cons

City Union Bank SimplySAVE SBI Card

Pros

  • 10X Reward Points on daily essentials like Dining, Movies, Departmental Stores, and Grocery.
  • Welcome bonus of 2,000 Reward Points effectively offsets the joining fee.
  • Low annual fee of ₹499 with a reachable waiver threshold of ₹1 Lakh annual spend.
  • 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.

Cons

  • Very low base reward rate of 0.17% on non-category spends.
  • Accelerated rewards are capped at 5,000 points per month.
  • No complimentary airport lounge access or travel-specific benefits.

HDFC Bank - Tata Neu Infinity HDFC Bank

Pros

  • Up to 10% value back on Tata Neu app spends (5% base + 5% NeuPass bonus).
  • 1.5% reward rate on UPI transactions (RuPay variant), among the highest in India.
  • Complimentary domestic and international lounge access (milestone-based for domestic).
  • Low foreign currency markup of 2% for international spends.

Cons

  • Domestic lounge access is now milestone-based (₹50,000 spend per quarter).
  • Rewards are restricted to the Tata Neu ecosystem for redemption.
  • No rewards on fuel, wallet loads, rent, and government transactions.

Our Verdict

HDFC Bank - Tata Neu Infinity HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, City Union Bank SimplySAVE SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose City Union Bank SimplySAVE SBI Card if

Low entry barrier and high rewards on common categories like groceries and dining.

Choose HDFC Bank - Tata Neu Infinity HDFC Bank if

Maximum value back across BigBasket, Croma, Air India, Westside, and IHCL hotels.

Frequently Asked Questions

Which is better: City Union Bank SimplySAVE SBI Card or HDFC Bank - Tata Neu Infinity HDFC Bank?
HDFC Bank - Tata Neu Infinity HDFC Bank edges ahead overall with a stronger combination of rewards and value. However, City Union Bank SimplySAVE SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between City Union Bank SimplySAVE SBI Card and HDFC Bank - Tata Neu Infinity HDFC Bank?
City Union Bank SimplySAVE SBI Card has an annual fee of ₹499, while HDFC Bank - Tata Neu Infinity HDFC Bank has an annual fee of ₹1,499. City Union Bank SimplySAVE SBI Card offers a fee waiver on ₹1,00,000 annual spend. HDFC Bank - Tata Neu Infinity HDFC Bank offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: City Union Bank SimplySAVE SBI Card or HDFC Bank - Tata Neu Infinity HDFC Bank?
City Union Bank SimplySAVE SBI Card offers a base reward rate of 0.16666666666666669% with accelerated rewards on Dining and Movies. HDFC Bank - Tata Neu Infinity HDFC Bank offers 1.5% base rewards with bonuses on Tata Neu App/Website and Partner Tata Brands. The better choice depends on your primary spending categories.
Can I have both City Union Bank SimplySAVE SBI Card and HDFC Bank - Tata Neu Infinity HDFC Bank?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. City Union Bank SimplySAVE SBI Card and HDFC Bank - Tata Neu Infinity HDFC Bank can complement each other if they cover different reward categories.
Which card is better for beginners: City Union Bank SimplySAVE SBI Card or HDFC Bank - Tata Neu Infinity HDFC Bank?
For beginners, City Union Bank SimplySAVE SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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