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Credit CardsComparisons

ICICI Coral RuPay Credit Card vs Tata Neu Plus SBI Card

A head-to-head comparison of ICICI Coral RuPay 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

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

Tata Neu Plus SBI Card

Budget UPI Spenders

Annual Fee
₹499
Reward Rate
Up to 1% on UPI
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Feature comparison

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

Spending category coverage

Which categories does each card reward?

CategoryICICI CoralTata Neu
Online shopping
UPI payments
Airport lounge access

Quick verdict

Choose ICICI Coral RuPay Credit Card if:

  • You spend heavily on airport lounge access

Choose Tata Neu Plus SBI Card if:

  • Lower annual fee (₹499 vs ₹500)
  • You spend heavily on online shopping

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)

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)