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Side-by-Side Comparison|Updated March 2026

Tata Neu Infinity SBI Credit Card vs SBI Card PRIME

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

SBI Card

Tata Neu Infinity SBI Credit Card

8.5/10
Annual Fee₹1,499
Base Rewards1.5%
NetworkVisa
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SBI Card

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureTata Neu Infinity SBI Credit CardSBI Card PRIME
Annual Fee₹1,499₹2,999
Joining Fee₹1,499₹2,999
Fee Waiver Spend₹3,00,000₹3,00,000
Base Reward Rate1.5%0.125%
Reward CurrencyNeuCoinReward Points
NetworkVisaVisa
Editor Rating8.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Tata Neu Infinity SBI Credit Card

  • 0% on Tata Neu App/Website Spends
  • 0% on NeuPass Member Spends
  • 0% on UPI Spends

SBI Card PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

Pros & Cons

Tata Neu Infinity SBI Credit Card

Pros

  • Up to 10% value back on Tata Neu app and partner brands (5% card + 5% NeuPass).
  • 1.5% base reward rate on all other spends, including UPI (RuPay variant).
  • Low foreign currency markup of 1.99% for international transactions.
  • Complimentary domestic and international lounge access via Priority Pass.

Cons

  • Domestic lounge access requires a high spend of ₹75,000 in the previous quarter.
  • Monthly capping on NeuCoins for categories like Grocery, Insurance, and Utilities.
  • Excludes rewards on fuel, rent, education, and wallet loads.

SBI Card PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

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

Choose Tata Neu Infinity SBI Credit Card if

High rewards on brands like BigBasket, Croma, Air India, and Taj Hotels.

Choose SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: Tata Neu Infinity SBI Credit Card or SBI Card PRIME?
Tata Neu Infinity SBI Credit Card edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Tata Neu Infinity SBI Credit Card and SBI Card PRIME?
Tata Neu Infinity SBI Credit Card has an annual fee of ₹1,499, while SBI Card PRIME has an annual fee of ₹2,999. Tata Neu Infinity SBI Credit Card offers a fee waiver on ₹3,00,000 annual spend. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Tata Neu Infinity SBI Credit Card or SBI Card PRIME?
Tata Neu Infinity SBI Credit Card offers a base reward rate of 1.5% with accelerated rewards on Tata Neu App/Website Spends and NeuPass Member Spends. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both Tata Neu Infinity SBI Credit Card and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Tata Neu Infinity SBI Credit Card and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: Tata Neu Infinity SBI Credit Card or SBI Card PRIME?
For beginners, Tata Neu Infinity SBI 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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