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Side-by-Side Comparison|Updated August 2026

SBI Cashback Card vs SBI Tata Neu Infinity

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

State Bank of India

SBI Cashback Card

9/10
Annual Fee₹999
Base Rewards1%
NetworkVisa
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State Bank of India

SBI Tata Neu Infinity

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

FeatureSBI Cashback CardSBI Tata Neu Infinity
Annual Fee₹999₹1,499
Joining Fee₹999₹1,499
Fee Waiver Spend₹2,00,000₹3,00,000
Base Reward Rate1%1.5%
Reward CurrencyCashbackNeuCoins
NetworkVisaRuPay
Editor Rating9/1010/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Cashback Card

  • 5% on Online — 2000 pts/month

SBI Tata Neu Infinity

  • 1.5% on Insurance — 2000 pts/month
  • 1.5% on Utility — 2000 pts/month
  • 1.5% on Telecom — 2000 pts/month
  • 5% on Tata Neu app / Tata Neu ecosystem (Shopping)
  • 1.5% on UPI (RuPay variant) (Other) — 500 pts/month
  • 1.5% on Grocery — 2000 pts/month

Pros & Cons

SBI Cashback Card

Pros

  • Flat 5% cashback (5 points per Rs. 100, valued 1:1) on all online spends with no merchant restriction, one of the simplest high online cashback cards.
  • 1% cashback on offline spends and automatic credit of cashback to the card account, no redemption hassle.
  • Low Rs. 999 annual fee that is waived on Rs. 2,00,000 of annual spend.
  • Cashback is straightforward Rupee value (Re. 1 per point), avoiding the low point valuations of typical reward cards.

Cons

  • Online cashback is capped at 2,000 points (Rs. 2,000) per month, so 5% applies only to about Rs. 40,000 of monthly online spend.
  • No airport lounge access of any kind.
  • High 3.5% forex markup makes overseas spending expensive.

SBI Tata Neu Infinity

Pros

  • Strong Tata Neu ecosystem earning: 5 NeuCoins per Rs. 100 (1 NeuCoin = Re. 1) on the Tata Neu app, on top of a 1.5% base, for up to 5% in the ecosystem.
  • NeuCoins are valued 1:1 with the Rupee, far better than the typical 0.25-per-point reward cards.
  • Both domestic (4) and international (4) lounge access via Priority Pass, rare in this fee bracket.
  • Low 1.99% forex markup and a Rs. 1,499 annual fee waived on Rs. 3,00,000 of annual spend.

Cons

  • UPI, grocery, utility, insurance and telecom earning carry monthly caps (500 NeuCoins on UPI, 2,000 each on the others), limiting accelerated value.
  • Maximum value is locked into the Tata Neu ecosystem; spending elsewhere earns just the 1.5% base.
  • Fuel, rent, wallet loads, cash advances and EMI transactions earn no NeuCoins.

Our Verdict

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

Choose SBI Cashback Card if

Someone who does most spending online and wants a hassle-free flat 5% cashback (up to Rs. 2,000/month) credited automatically, easily clearing the Rs. 2 lakh fee-waiver mark.

Choose SBI Tata Neu Infinity if

Someone who shops across Tata brands (BigBasket, Croma, Tata 1mg, AirAsia/Air India) via Tata Neu and earns up to 5% in 1:1 NeuCoins, easily clearing the Rs. 3 lakh fee waiver.

Frequently Asked Questions

Which is better: SBI Cashback Card or SBI Tata Neu Infinity?
SBI Tata Neu Infinity edges ahead overall with a stronger combination of rewards and value. However, SBI Cashback Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Cashback Card and SBI Tata Neu Infinity?
SBI Cashback Card has an annual fee of ₹999, while SBI Tata Neu Infinity has an annual fee of ₹1,499. SBI Cashback Card offers a fee waiver on ₹2,00,000 annual spend. SBI Tata Neu Infinity offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: SBI Cashback Card or SBI Tata Neu Infinity?
SBI Cashback Card offers a base reward rate of 1% with accelerated rewards on Online. SBI Tata Neu Infinity offers 1.5% base rewards with bonuses on Insurance and Utility. The better choice depends on your primary spending categories.
Can I have both SBI Cashback Card and SBI Tata Neu Infinity?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Cashback Card and SBI Tata Neu Infinity can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Cashback Card or SBI Tata Neu Infinity?
For beginners, SBI Cashback Card may be more approachable with a lower annual fee of ₹999. However, evaluate based on your expected spending pattern rather than fee alone.

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