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Side-by-Side Comparison|Updated August 2026

Tata Neu Infinity HDFC Bank Credit Card vs Tata Card SELECT

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%
NetworkVisa
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State Bank of India

Tata Card SELECT

7.2/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureTata Neu Infinity HDFC Bank Credit CardTata Card SELECT
Annual Fee₹1,499₹2,999
Joining Fee₹1,499₹2,999
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1.5%1%
Reward CurrencyNeuCoinsEmpower Points
NetworkVisaVisa
Editor Rating9/107.2/10
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

Tata Card SELECT

  • 3% on Grocery
  • 3% on Dining
  • 3% on International spends
  • 5% on Westside
  • 4% on Titan
  • 3.5% on Star Bazaar
  • 2% on Croma
  • 2% on Tanishq
  • 2% on Tata CLiQ
  • 2% on Landmark

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.

Tata Card SELECT

Pros

  • Up to 5% back as Empower Points at Westside, plus strong rates across Titan, Star Bazaar and other Tata brands
  • 3X points (3%) on grocery, departmental stores, dining and international spends
  • Empower Points are worth a flat Rs 1 each with instant in-store redemption at Tata outlets
  • 8 complimentary domestic lounge visits a year, with no spend condition

Cons

  • Rs 2,999 annual fee with NO spend-based waiver — you pay it every year
  • Points redeem only inside the Tata ecosystem; no cash or statement-credit option
  • Rs 99 fee on every redemption request, and points expire in 2 years

Our Verdict

Tata Neu Infinity HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Tata Card SELECT 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 Tata Card SELECT if

Regular shoppers at Westside, Croma, Tanishq, Star Bazaar or Tata CLiQ who will actually redeem points in-store

Frequently Asked Questions

Which is better: Tata Neu Infinity HDFC Bank Credit Card or Tata Card SELECT?
Tata Neu Infinity HDFC Bank Credit Card edges ahead overall with a stronger combination of rewards and value. However, Tata Card SELECT 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 Tata Card SELECT?
Tata Neu Infinity HDFC Bank Credit Card has an annual fee of ₹1,499, while Tata Card SELECT has an annual fee of ₹2,999. Tata Neu Infinity HDFC Bank Credit Card offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Tata Neu Infinity HDFC Bank Credit Card or Tata Card SELECT?
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). Tata Card SELECT offers 1% base rewards with bonuses on Grocery and Dining. The better choice depends on your primary spending categories.
Can I have both Tata Neu Infinity HDFC Bank Credit Card and Tata Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Neu Infinity HDFC Bank Credit Card and Tata Card SELECT can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Neu Infinity HDFC Bank Credit Card or Tata Card SELECT?
For beginners, Tata Neu Infinity HDFC Bank Credit Card may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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