Reliance SBI Card vs Tata Neu Infinity HDFC Bank Credit Card
Joining Fees
₹499
₹1,499
Editor's Rating
3.6
4
Key Features
- Milestone Benefits include getting a waiver of renewal fees on annual spends on Reliance Retail outlet of Rs. 1 Lakh in the previous year. Get Rs. 500 worth Reliance Retail Voucher on Annual Spends of Rs. 25,000 at participating Reliance Retail Stores, Rs. 750 worth Reliance Retail Voucher on Annual Spends of Rs. 50,000 at participating Reliance Retail Stores, and Rs. 1,000 worth Reliance Retail Voucher on Annual Spends of Rs. 80,000 at participating Reliance Retail Stores
- Get 5 Reward Points per Rs. 100 spent on the participating Reliance Retail Stores (except on UPI payments) and (subject to the Reliance Retail Stores MIDs received from partner and mapped in SBIC system)
- Get 5 Reward Points per Rs. 100 spent on Dinning and Movies
- Get 1 Reward Points per Rs. 100 spent on other retail purchases (except fuel, property rental, wallet upload)
- Avail 1% surcharge at all petrol pumps for transactions between Rs. 500 and Rs. 4,000
- Other Benefits: Transactions offers at participating Reliance Retail Stores. Redeem the Rewards Points against Reliance Retail Vouchers
- Reliance SBI Card SBI Card in over 24 million outlets across the globe, including 3,25,000 outlets in India
- Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe
- Transfer outstanding balance of other banks’ credit cards to Reliance SBI Card, and avail a lower rate of interest and pay back in EMIs
- With Flexipay, convert transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay
- In a year, spend Rs. 3,00,000 or more before the Credit Card renewal date and get the renewal fee waived off
- 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
- 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
- 1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands) - maximum of 500 NeuCoins per calendar month
- Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
- Reward points gained on Grocery transactions will be capped to 2,000 per month
- Zero lost card liability
- Foreign Currency Markup: 2% on all your foreign currency spends
- Domestic Lounge Access – VISA / RuPay Card: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter). Rs. 2 (VISA / RuPay) will be charged to the Credit Card for the Lounge Access
- International Lounge Access – VISA Card: By using Priority Pass avail up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter). If exceed the 4 Complimentary (1 per Quarter) visits, you will be charged at US $27 + GST per visit
- International Lounge Access - RuPay: 4 Complimentary International Lounge Access per calendar year (1 per Quarter)
Editor's Review
Pros
- 5 Reward Points per Rs. 100 spent on Dinning and Movies
- Get 1 Reward Points per Rs. 100 spent on other retail purchases
- Milestone Benefits
Cons
- Mostly Reliance SBI Card is mainly beneficial for those who make regular purchases from Reliance stores
- No golf or cashback benefits
- No airport lounge access
Pros
- Accidental air death cover worth Rs. 1 Crore
- Emergency overseas hospitalization: Up to Rs. 15 lakhs
- Lost Card Liability Cover : Up to Rs. 9 lakhs
- Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)
Cons
- No golf benefits
- Tata Neu coins are valid only for 1 year and can be used only in the Tata Neu app or paying thru the Neu app
