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HDFC Shoppers Stop RuPay vs Tata Neu Infinity SBI Card

A head-to-head comparison of HDFC Shoppers Stop RuPay and Tata Neu Infinity SBI Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

RuPay & UPICard A
Annual Fee
₹299
Reward Rate
UPI + Retail Rewards
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RuPay & UPICard B
Annual Fee
₹1,499
Reward Rate
Up to 1.5% on UPI
Apply Now Read full review →

Feature comparison

FeatureHDFC ShoppersTata Neu
Annual Fee₹299 (No waiver — ₹2L spend gives bonus First Citizen Points instead)₹1,499 (Waived on ₹3L spend)
Reward RateUPI + Retail RewardsUp to 1.5% on UPI
Best ForFashion & UPIUPI Power Users
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryHDFC ShoppersTata Neu
Online shopping
Groceries
UPI payments
Airport lounge access

Quick verdict

Choose HDFC Shoppers Stop RuPay if:

  • Lower annual fee (₹299 vs ₹1,499)
  • This is your first credit card

Choose Tata Neu Infinity SBI Card if:

  • You spend heavily on online shopping
  • You spend heavily on groceries
  • You spend heavily on airport lounge access

Full pros & cons

HDFC Shoppers Stop RuPay

What's good
  • Dual benefit of UPI rewards and in-store retail multipliers
  • Complimentary Shoppers Stop First Citizen membership
  • Exclusive access to Shoppers Stop sale events
Watch out for
  • Niche rewards primarily useful only inside Shoppers Stop
  • Negligible cashback rate on spends outside Shoppers Stop
Apply Now

Tata Neu Infinity SBI Card

What's good
  • Up to 1.5% UPI cashback via RuPay (0.5% base + 1% bonus via Tata Neu UPI ID)
  • 10% NeuCoins back on Tata brands (BigBasket, 1mg, Croma)
  • 5% NeuCoins on other Tata app purchases
  • 2 complimentary domestic lounge visits per quarter on ₹50,000 quarterly spend (up to 8/year)
Watch out for
  • UPI rewards are strictly capped at 500 NeuCoins per calendar month
  • NeuCoins redeemable only within Tata app ecosystem
  • High ₹3L spend required for annual fee waiver
  • NeuCoins now expire after 12 months from end of credit month (since August 2025)
Apply Now
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