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Side-by-Side Comparison|Updated August 2026

Tata Neu Infinity HDFC Bank Credit Card vs SimplyCLICK SBI Card

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

HDFC Bank

Tata Neu Infinity HDFC Bank Credit Card

9/10
Annual Fee₹1,499
Base Rewards1.5%
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State Bank of India

SimplyCLICK SBI Card

8/10
Annual Fee₹499
Base Rewards0.25%
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Feature-by-Feature Comparison

FeatureTata Neu Infinity HDFC Bank Credit CardSimplyCLICK SBI Card
Annual Fee₹1,499₹499
Joining Fee₹1,499₹499
Fee Waiver Spend₹3,00,000₹1,00,000
Base Reward Rate1.5%0.25%
Reward CurrencyNeuCoinsReward Points
NetworkVisaVisa
Editor Rating9/108/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Neu Infinity HDFC Bank Credit Card

  • 5% on Tata Neu / Partner Tata Brands (Shopping)
  • 5% on Tata Neu (NeuPass members) (Shopping)
  • 0.5% on Upi — 500 pts/month
  • 1% on Tata Neu UPI ID (Upi) — 500 pts/month
  • 6% on SmartBuy — 1000 pts/month

SimplyCLICK SBI Card

  • 2.5% on Apollo 24|7 — 10000 pts/month
  • 2.5% on BookMyShow — 10000 pts/month
  • 2.5% on Cleartrip — 10000 pts/month
  • 2.5% on Domino's — 10000 pts/month
  • 2.5% on GyFTR — 10000 pts/month
  • 2.5% on IGP — 10000 pts/month
  • 2.5% on Myntra — 10000 pts/month
  • 2.5% on Netmeds — 10000 pts/month
  • 2.5% on Swiggy — 10000 pts/month
  • 2.5% on Tata CLiQ — 10000 pts/month
  • 2.5% on Yatra — 10000 pts/month
  • 1.25% on Online — 10000 pts/month

Pros & Cons

Tata Neu Infinity HDFC Bank Credit Card

Pros

  • NeuCoins are worth a full ₹1 each, earning 5% (5 per ₹100) on Tata Neu and partner Tata brands plus a base 1.5% (1.5 per ₹100) elsewhere, with no monthly caps on the accelerated rates.
  • 8 complimentary domestic and 4 international (Priority Pass) lounge visits per year.
  • Low 2% forex markup, strong insurance (₹1 Crore air accident, ₹15 Lakh overseas hospitalization) and 24/7 concierge.
  • Reasonable ₹1,499 fee waived on ₹3 Lakh annual spend.

Cons

  • Rewards are concentrated in the Tata ecosystem (Croma, BigBasket, Tata 1mg, Air India, etc.) to hit the 5% rate.
  • ₹12 Lakh minimum income requirement.
  • No NeuCoins on jewellery, government, rent (1% fee), EMI or wallet loads.

SimplyCLICK SBI Card

Pros

  • 10X earning (10 points per Rs. 100) on partner online merchants (Swiggy, Myntra, BookMyShow, Cleartrip, Apollo 24|7 and more), plus 5X on all other online spends.
  • Very low Rs. 499 annual fee that is waived on just Rs. 1,00,000 of annual spend.
  • Welcome Rs. 500 Amazon Pay gift card on paying the first-year fee, effectively offsetting most of the fee.
  • Annual Cleartrip/Yatra e-vouchers worth Rs. 2,000 at Rs. 1 lakh and another Rs. 2,000 at Rs. 2 lakh online spend (up to Rs. 4,000).

Cons

  • Online accelerated earning is capped at 10,000 points per month, and points are valued at only Re. 0.25.
  • Weak base rate of 1 point per Rs. 100 (about 0.25% back) on offline spends.
  • No airport lounge access of any kind and a high 3.5% forex markup.

Our Verdict

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

Choose Tata Neu Infinity HDFC Bank Credit Card if

Households buying via Tata Neu, Croma, BigBasket, Tata 1mg and Air India earn an uncapped 5% in ₹1-value NeuCoins.

Choose SimplyCLICK SBI Card if

Someone who shops with partner merchants like Swiggy, Myntra and BookMyShow and wants 10X earning plus annual travel vouchers on a very low Rs. 499 fee.

Frequently Asked Questions

Which is better: Tata Neu Infinity HDFC Bank Credit Card or SimplyCLICK SBI Card?
Tata Neu Infinity HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, SimplyCLICK SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Tata Neu Infinity HDFC Bank Credit Card and SimplyCLICK SBI Card?
Tata Neu Infinity HDFC Bank Credit Card has an annual fee of ₹1,499, while SimplyCLICK SBI Card has an annual fee of ₹499. Tata Neu Infinity HDFC Bank Credit Card offers a fee waiver on ₹3,00,000 annual spend. SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Tata Neu Infinity HDFC Bank Credit Card or SimplyCLICK SBI Card?
Tata Neu Infinity HDFC Bank Credit Card offers a base reward rate of 1.5% with accelerated rewards on Tata Neu / Partner Tata Brands (Shopping) and Tata Neu (NeuPass members) (Shopping). SimplyCLICK SBI Card offers 0.25% base rewards with bonuses on Apollo 24|7 and BookMyShow. The better choice depends on your primary spending categories.
Can I have both Tata Neu Infinity HDFC Bank Credit Card and SimplyCLICK SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Neu Infinity HDFC Bank Credit Card and SimplyCLICK SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Neu Infinity HDFC Bank Credit Card or SimplyCLICK SBI Card?
For beginners, SimplyCLICK 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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