Spar SBI Card SELECT vs HDFC Bank Tata Neu Plus Credit Card

Joining Fees

₹1,499

₹499

Editor's Rating

2.5

4.5

Key Features

  • On overall annual retail spends of Rs 300,000, avail 12,000 bonus Reward Points
  • On annual spends of Rs 25,000 across all Landmark Stores, earn 2400 bonus Reward Points 
  • On annual spends of Rs 75,000 across all Landmark Stores, earn 8,000 bonus Reward Points
  • With Flexipay facility, convert transactions in EMIs. Just transact for Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
  • The Easy Money facility get a cheque or draft against your cash limit and get it delivered to home

* Get 2% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands
* Get 1% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
* Avail 1% back as NeuCoins on UPI spends
* Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
* By spending Rs.1,00,000 or more in a year, before the Credit Card's renewal date, get renewal fee waived off
* Zero lost card liability
* Interest-Free Credit Period of up to 50 days 
* Revolving Credit is available at a nominal interest rate 
* 4 Complimentary Domestic Lounge Access per calendar year
* 1% fuel surcharge waiver at fuel stations in India. This is applicable on minimum transaction of Rs. 400 & maximum transaction of Rs. 5,000

Editor's Review

Pros                                                                                                                                                                                                                                                                                                                                                                                                   

  • Welcome benefit of receiving 6,000 bonus reward points equivalent to Rs. 1,500 on payment of Annual Fees
  • Earn 10 Reward Points on every Rs. 100 spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies
  • Get 2 Reward point per Rs. 100 spent on other retail purchases (Non-fuel)            

Cons 

  • No Golf/coaching sessions
  • Usage of USD 27 plus applicable taxes will be charged on Spar SBI card PRIME for all visits post the complimentary visits

Pros

* Tata Neu Plus HDFC Bank Credit Card is enabled for contactless payments
* Airport lounge access
* Fuel surcharge

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


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