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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Star Card SELECT 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.

SBI Card

SBI Card - Tata Star Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkMastercard
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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

FeatureSBI Card - Tata Star Card SELECTHDFC Bank - Tata Neu Infinity HDFC Bank
Annual Fee₹2,999₹1,499
Joining Fee₹2,999₹1,499
Fee Waiver Spend₹3,00,000₹3,00,000
Base Reward Rate1%1.5%
Reward CurrencyReward PointNeuCoins
NetworkMastercardVisa
Editor Rating7.8/108.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Star Card SELECT

  • 0% on Groceries
  • 0% on Dining
  • 0% on International

HDFC Bank - Tata Neu Infinity HDFC Bank

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

Pros & Cons

SBI Card - Tata Star Card SELECT

Pros

  • Exceptional 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • High 3.5% value back on all spends at Star Bazaar outlets.
  • Up to 5% value back at select Tata retail outlets like Westside and Croma.
  • Generous welcome and milestone vouchers that can fully offset the annual fee.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakhs.
  • Rewards and benefits are heavily concentrated within the Tata ecosystem.
  • No complimentary international lounge access despite the premium fee.

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, SBI Card - Tata Star Card SELECT could be the better pick if its specific category strengths match your spending habits.

Choose SBI Card - Tata Star Card SELECT if

Maximum value is derived from shopping at Star Bazaar, Westside, Croma, and other Tata brands.

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: SBI Card - Tata Star Card SELECT 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, SBI Card - Tata Star Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - Tata Star Card SELECT and HDFC Bank - Tata Neu Infinity HDFC Bank?
SBI Card - Tata Star Card SELECT has an annual fee of ₹2,999, while HDFC Bank - Tata Neu Infinity HDFC Bank has an annual fee of ₹1,499. SBI Card - Tata Star Card SELECT offers a fee waiver on ₹3,00,000 annual spend. HDFC Bank - Tata Neu Infinity HDFC Bank offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Star Card SELECT or HDFC Bank - Tata Neu Infinity HDFC Bank?
SBI Card - Tata Star Card SELECT offers a base reward rate of 1% with accelerated rewards on Groceries and Dining. 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 SBI Card - Tata Star Card SELECT and HDFC Bank - Tata Neu Infinity HDFC Bank?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Star Card SELECT and HDFC Bank - Tata Neu Infinity HDFC Bank can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Star Card SELECT or HDFC Bank - Tata Neu Infinity HDFC Bank?
For beginners, HDFC Bank - Tata Neu Infinity HDFC Bank 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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