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Credit CardsComparisons

AU Bank Spont Credit Card vs Tata Neu Plus SBI Card

A head-to-head comparison of AU Bank Spont Credit Card and Tata Neu Plus SBI Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

RuPay & UPICard A

AU Bank Spont Credit Card

Everyday UPI & Offline Spenders

Annual Fee
₹299
Reward Rate
1% cashback on all UPI + POS spends (capped ₹500/month)
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RuPay & UPICard B

Tata Neu Plus SBI Card

Budget UPI Spenders

Annual Fee
₹499
Reward Rate
Up to 1% on UPI
Apply Now Read full review →

Feature comparison

FeatureAU BankTata Neu
Annual Fee₹299 + GST₹499 (Waived on ₹1L spend)
Reward Rate1% cashback on all UPI + POS spends (capped ₹500/month)Up to 1% on UPI
Best ForEveryday UPI & Offline SpendersBudget UPI Spenders
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryAU BankTata Neu
Online shopping
UPI payments
Everyday spending
Airport lounge access

Quick verdict

Choose AU Bank Spont Credit Card if:

  • Lower annual fee (₹299 vs ₹499)
  • You spend heavily on everyday spending
  • You spend heavily on airport lounge access

Choose Tata Neu Plus SBI Card if:

  • You spend heavily on online shopping

Full pros & cons

AU Bank Spont Credit Card

What's good
  • 1% cashback on all eligible UPI and POS transactions — no category tracking needed
  • Very low income requirement: ₹10,000/month salaried — one of India's most accessible credit cards
  • 2 domestic lounge visits/quarter + 2 railway lounge visits/quarter
  • Works with all UPI apps (PhonePe, Google Pay, BHIM) for QR scan-and-pay
Watch out for
  • ₹500/month cashback cap limits returns for high-spend users (max ₹6,000/year)
  • Lounge access requires ₹50,000 spend in the previous quarter — steep for a ₹299 card
  • 3.49% forex markup — purely a domestic card; avoid for international use
  • Zero rewards on fuel, rent, education, government, insurance, EMI, and BBPS payments
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Tata Neu Plus SBI Card

What's good
  • Low ₹499 annual fee with easy ₹1L waiver threshold
  • Up to 1% UPI cashback via RuPay (0.25% base + 0.75% bonus via Tata Neu UPI ID)
  • 5% NeuCoins on Tata brand purchases
Watch out for
  • UPI rewards are strictly capped at 500 NeuCoins per calendar month
  • Only 0.25% UPI reward without Tata Neu UPI ID — most users won't get full 1%
  • NeuCoin redemption restricted to the Tata app ecosystem
  • NeuCoins now expire after 12 months from end of credit month (since August 2025)
Apply Now
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