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Side-by-Side Comparison|Updated August 2026

SimplyCLICK SBI 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

SimplyCLICK SBI Card

8/10
Annual Fee₹499
Base Rewards0.25%
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

FeatureSimplyCLICK SBI CardSBI Tata Neu Infinity
Annual Fee₹499₹1,499
Joining Fee₹499₹1,499
Fee Waiver Spend₹1,00,000₹3,00,000
Base Reward Rate0.25%1.5%
Reward CurrencyReward PointsNeuCoins
NetworkVisaRuPay
Editor Rating8/1010/10
Forex Markup3.5%3.5%

Accelerated Rewards

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

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

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.

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, SimplyCLICK SBI Card could be the better pick if its specific category strengths match your spending habits.

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.

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: SimplyCLICK SBI Card or SBI Tata Neu Infinity?
SBI Tata Neu Infinity 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 SimplyCLICK SBI Card and SBI Tata Neu Infinity?
SimplyCLICK SBI Card has an annual fee of ₹499, while SBI Tata Neu Infinity has an annual fee of ₹1,499. SimplyCLICK SBI Card offers a fee waiver on ₹1,00,000 annual spend. SBI Tata Neu Infinity offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: SimplyCLICK SBI Card or SBI Tata Neu Infinity?
SimplyCLICK SBI Card offers a base reward rate of 0.25% with accelerated rewards on Apollo 24|7 and BookMyShow. 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 SimplyCLICK SBI Card and SBI Tata Neu Infinity?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SimplyCLICK SBI Card and SBI Tata Neu Infinity can complement each other if they cover different reward categories.
Which card is better for beginners: SimplyCLICK SBI Card or SBI Tata Neu Infinity?
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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