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Credit CardsComparisons

ICICI Coral RuPay Credit Card vs Tata Neu Infinity SBI Card

A head-to-head comparison of ICICI Coral RuPay Credit Card 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

ICICI Coral RuPay Credit Card

Everyday UPI & Bank Offers

Annual Fee
₹500
Reward Rate
2 PAYBACK Points per ₹100 (0.5% effective at ₹0.25/point)
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RuPay & UPICard B
Annual Fee
₹1,499
Reward Rate
Up to 1.5% on UPI
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Feature comparison

FeatureICICI CoralTata Neu
Annual Fee₹500 (Waived on ₹1.5L spend)₹1,499 (Waived on ₹3L spend)
Reward Rate2 PAYBACK Points per ₹100 (0.5% effective at ₹0.25/point)Up to 1.5% on UPI
Best ForEveryday UPI & Bank OffersUPI Power Users
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryICICI CoralTata Neu
Online shopping
Groceries
UPI payments
Airport lounge access

Quick verdict

Choose ICICI Coral RuPay Credit Card if:

  • Lower annual fee (₹500 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

Full pros & cons

ICICI Coral RuPay Credit Card

What's good
  • Seamless UPI integration for daily merchant scans
  • 1 complimentary domestic lounge visit per quarter
  • Unlocks ICICI bank discount days on Amazon/Flipkart
Watch out for
  • Very low base reward rate — 0.5% effective (₹0.25 per PAYBACK point)
  • Lounge access requires ₹75,000 spend in the previous quarter (revised from ₹35,000)
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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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