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Side-by-Side Comparison|Updated August 2026

SBI Tata Neu Infinity vs Tata Card SELECT

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 Tata Neu Infinity

10/10
Annual Fee₹1,499
Base Rewards1.5%
NetworkRuPay
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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

FeatureSBI Tata Neu InfinityTata 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
NetworkRuPayVisa
Editor Rating10/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

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

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

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.

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

SBI Tata Neu Infinity 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 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.

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: SBI Tata Neu Infinity or Tata Card SELECT?
SBI Tata Neu Infinity 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 SBI Tata Neu Infinity and Tata Card SELECT?
SBI Tata Neu Infinity has an annual fee of ₹1,499, while Tata Card SELECT has an annual fee of ₹2,999. SBI Tata Neu Infinity offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: SBI Tata Neu Infinity or Tata Card SELECT?
SBI Tata Neu Infinity offers a base reward rate of 1.5% with accelerated rewards on Insurance and Utility. 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 SBI Tata Neu Infinity and Tata Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Tata Neu Infinity and Tata Card SELECT can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Tata Neu Infinity or Tata Card SELECT?
For beginners, SBI Tata Neu Infinity 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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