Tata Neu Infinity HDFC Bank Credit Card vs IRCTC SBI Card Premier

• As a welcome benefit, cardholders can receive 1,499 NeuCoins against the first-year membership fee. To qualify, the first card transaction must be completed within 30 days of issuance
• The welcome NeuCoins become claimable through the Tata Neu app within 60 days of the qualifying transaction. Eligible customers must claim them within 180 days from the applicable statement date
• Welcome NeuCoins remain valid for 365 days from the date they are claimed. This benefit is not available on Lifetime Free or First-Year-Free cards
• Spend at least Rs. 3 lakh during a card membership year, before the renewal date, to have the following year’s renewal fee waived
• Earn 5% back as NeuCoins on eligible, non-EMI purchases made through Tata Neu and participating Tata brands
• Receive 1.5% back as NeuCoins on eligible purchases made outside the Tata brand network
• Merchant EMI transactions are eligible for 1.5% back as NeuCoins, subject to the applicable reward conditions
• Cardholders registered for Tata NeuPass can earn an additional 5% back on selected categories on the Tata Neu app or website. The transaction must be made from the primary cardholder’s Tata Neu account registered with the bank’s mobile number
• The additional NeuPass reward does not presently apply to Tata Pay bill payments, Tanishq, Cult.fit, Air India and Tata Play transactions
• Eligible UPI payments can earn up to 1.5% back as NeuCoins. A base reward of 0.5% is available on qualifying UPI purchases, while an additional 1% can be earned when payment is made using an eligible Tata Neu UPI ID
• UPI rewards are limited to a total of 500 NeuCoins per calendar month
• NeuCoins are not awarded on fuel, wallet loading, rent, government-related payments and online gaming transactions
• Education payments made through third-party platforms such as CRED, CheQ or MobiKwik do not earn NeuCoins. Eligible payments made directly through an educational institution’s website or POS terminal may qualify
• NeuCoins earned on grocery purchases are capped at 2,000 per calendar month
• Utility and telecom/cable transactions are each subject to a separate reward limit of 2,000 NeuCoins per calendar month
• Insurance transactions can earn a maximum of 2,000 NeuCoins in a calendar month

Lounge Benefits

• Domestic lounge access is now spending-based. Spend at least Rs. 50,000 in a calendar quarter to receive two complimentary domestic lounge vouchers for that quarter, with a maximum of 8 vouchers in a calendar year
• Eligible customers are informed through SMS or email. Lounge vouchers must be claimed through the specified voucher portal within 120 days and used within 180 days of issuance.
• Visa cardholders can request a Priority Pass and receive up to 4 complimentary international lounge visits per calendar year, limited to 1 visit per quarter. This overall limit includes visits made by both primary and add-on cardholders
• International lounge visits exceeding the complimentary Visa entitlement, as well as guest visits, are charged at US $27 plus applicable GST per visit. Priority Pass usage within India is also chargeable
• RuPay cardholders receive up to 4 complimentary international lounge visits per calendar year, limited to 1 visit per quarter. An access charge of US $3.25 may initially appear and is subsequently reversed for an eligible complimentary visit

Travel, Protection and Other Benefits

• The card provides accidental air-death insurance coverage of up to Rs. 1 crore
• Emergency hospitalization outside India is covered for up to Rs. 15 lakh, subject to the policy’s applicable terms and exclusions
• Lost-card liability protection is available for up to Rs. 9 lakh
• Fraudulent transactions may be covered under the card’s zero-liability protection, provided the loss or unauthorized use is reported immediately to HDFC Bank’s 24-hour customer service facility
• A 1% fuel-surcharge waiver is available at fuel stations across India on individual transactions between Rs. 400 and Rs. 5,000 The maximum waiver is Rs. 500 per statement cycle
• A foreign-currency markup of 2% plus applicable taxes is charged on international transactions
• The card supports contactless payments
• Purchases can receive an interest-free credit period of up to 50 days, depending on the transaction date and when the merchant submits the charge
• There’s option to convert big spends into EMI after purchase available on Tata Neu Plus HDFC Bank Credit Card

NeuCoin Usage

• NeuCoins can be redeemed through Tata Neu for eligible purchases from participating brands such as Air India Express, Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, IHCL hotels, Tata 1mg, Qmin, Titan and Tanishq
• Tanishq redemptions must be completed through the Tata Neu platform and remain subject to the individual brand’s redemption rules
• NeuCoins credited from regular card spending are generally transferred to the linked Tata Neu account within seven working days after statement generation
• NeuCoins earned from August 1, 2025 onward generally remain valid for 12 months, including the applicable lock-in period, calculated from the end of the month in which they are credited. Welcome or promotional NeuCoins may have separately communicated expiry conditions

• Get 10% back on AC1, AC2, AC3, Executive Chair car and Chair Car as reward points for ticket purchases on www.irctc.co.in and IRCTC Mobile App 
• Get 5% back on Air ticket purchases on www.air.irctc.co.in
• Get 5% back on E-catering purchases on www.ecatering.irctc.co.in
• Earn 3 Reward Points per 125 spent on Dining and standing instructions on Utility spends
• Avail 1 Reward Point per 125 spent on other non-fuel retail purchases 
• Get 2,500 Reward Points on annual travel spends of Rs. 50,000
• On annual travel spends of Rs. 1,00,000, avail 5,000 Reward Points
• Spend Based Reversal of Annual Fee on spends of Rs. 2 Lakhs
• Complimentary Rail Accident Insurance of Rs. 10 Lakhs
• Complimentary Air Accident insurance of Rs. 50 Lakhs
• Complimentary Fraud Liability cover of Rs. 1 Lakh
• Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
• Save 1.8% transaction charges on airline ticket bookings on www.air.irctc.co.in
• Book airline tickets with IRCTC at unbeatable prices, and explore the wide range of tailor made packages ranging from adventure, wildlife, pilgrimage and leisure tours to various places in India. Avail accommodation at 5,000+ hotels, covering 350 cities in India
• 1% fuel surcharge at all petrol pumps in India, on transactions between  Rs. 500 - Rs. 4,000
• 8 complimentary railway lounge access in a year to participating lounges in India (Max 2 per quarter)
• Visa Privileges include: Savings of 10% on Hertz car rental and up to 35% on Avis Car Rentals, exclusive benefits across 900 luxury hotels globally, and obtain up to 10,000 miles per night on hotel stay plus 25% extra miles on Kaligo.com
• Complimentary credit card fraud liability cover of Rs. 1 lakh
• Complimentary Overseas Accident cover of Rs. 50 lakh
• With Flexipay facility, convert transactions in EMIs by simply transacting Rs. 2,500 or more and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
• While booking railway tickets online using IRCTC SBI Platinum Card, get the tickets delivered at your doorstep
• The IRCTC SBI Card Premier credit card is accepted in over 24 million outlets across the world, including 3,25,000 outlets in India

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 12 months and can be used only in the Tata Neu app or paying thru the Neu app

Pros                                                                                                                                                                                                                                                                                                   

• Complimentary credit card fraud liability cover of Rs. 1 lakh
• Complimentary Overseas Accident cover of Rs. 50 lakh
• 8 complimentary railway lounge access in India                                                                                                         

Cons

• No golf benefits
• No complimentary airport lounge access