Tata Neu Plus vs. Infinity – Which Credit Card Offers Better Value?

Tata Neu offers co-branded credit cards in collaboration with two of the most popular issuers, HDFC Bank and SBI Card. Both issuers offer two variants of these cards – Plus (base variant) and Infinity (premium variant). Despite being offered by different issuers, Plus variants offer the same benefits, and similarly, Infinity variants from both issuers also offer the same benefits at the same annual fee. While both Plus & Infinity variants offer similar benefits such as accelerated rewards on Tata Neu & partner brand spends, welcome benefits worth the joining fee, complimentary lounge access, and more, catering to multiple categories. The premium variant, i.e., Infinity, differs with its higher annual fee and better value-back of up to 10% on select Tata Neu spends, along with international lounge access and a low forex markup fee. To help you choose the right card, here is a detailed comparison of Tata Neu HDFC and Tata Neu SBI credit cards.

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Reward Benefits

Particular	Plus Credit Cards	Infinity Credit Cards
Accelerated Rewards	2% NeuCoins on non-EMI spends at Tata Neu & its partner brands	5% NeuCoins on non-EMI spends at Tata Neu & its partner brands
Base Rewards	1% NeuCoins on merchant EMI & other spends	1.5% NeuCoins on merchant EMI & other spends
Rewards on UPI	1% NeuCoins, up to 500 NeuCoins per month	1.5% NeuCoins, up to 500 NeuCoins per month
Additional Rewards	Additional 5% NeuCoins on select Tata Neu spends*	Additional 5% NeuCoins on select Tata Neu spends*
Redemption Value	1 NeuCoin = Rs. 1	1 NeuCoin = Rs. 1

*5% NeuCoins on transactions done on the Tata Neu app/website, post downloading the Tata Neu app, and registering for Tata NeuPass.

Tata Neu Partner Brands: Tata 1MG, BigBasket, Croma, Air India Express, Tata CliQ, IHCL (TAJ group of Hotels), Westside, Qmin, Tata Play, Cult, Tata Pay, Titan, and Tanishq.

Both Plus and Infinity variants offer accelerated earnings with the same brands under Tata Group, the differentiation lies in the percentage and overall benefits. Being the base variant, Tata Neu HDFC Plus & Tata Neu SBI Plus credit cards offer up to 7% NeuCoins on select Tata Neu spends, whereas at a higher annual fee, Infinity credit cards offer up to 10% NeuCoins on select Tata Neu spends, which enhances the overall value for brand loyalists.

Besides this, the base reward rate on other categories along with UPI spends is also slightly higher, at 1.5% on the Infinity variant, compared to 1% on the Plus variant. However, with both variants, cardholders can earn a maximum of 500 NeuCoins per month on UPI spends.

One of the major factors that contributes to the overall value for these cards is the reward redemption value of 1:1. You can redeem the accumulated NeuCoins on your spends at Tata Neu & its partner brands, such as BigBasket, Air India, Westside, Tanishq, etc., at a value of Rs. 1 per point, allowing you to save significantly across multiple categories, such as travel, groceries, shopping, jewellery and more.

Overall, Infinity variants win with a higher value-back of up to 10% on select Tata Neu spends. However, consumers seeking a low annual fee card with similar benefits can also apply for the Plus variant.

Travel Benefits

Particular	Plus Credit Cards	Infinity Credit Cards
Domestic Lounge Access	4 lounge visits per year on spending Rs. 50,000 in the previous quarter	8 lounge visits per year on spending up to Rs. 75,000 in the previous quarter
International Lounge Access	No benefit	Complimentary Priority Pass with 4 lounge visits per year
Forex Markup Fee	3.5%	1.99% to 2%

While both Plus and Infinity variants offer spend-based domestic lounge visits, the Infinity variant stands out with a higher number of lounge visits. Besides this, the Plus variant does not offer international lounge visits, whereas Infinity variant, albeit at a higher annual fee of Rs. 1,499, offers 4 complimentary international lounge visits every year.

Moreover, Plus credit cards charge a high forex markup fee of 3.5%, while Tata Neu HDFC Infinity & Tata Neu SBI Infinity credit cards come with a comparatively lower forex markup fee of 2% & 1.99%, respectively, which further enhances the overall value for international travellers.

When it comes to travel benefits, Infinity variants clearly outshine Plus variants due to their higher frequency of domestic & international lounge visits along with a lower forex markup fee of up to 2%, making them a better fit for frequent travellers.

Other Benefits

Particular	Plus Credit Cards	Infinity Credit Cards
Annual Fee Waiver	Waived off on annual spends of Rs. 1 Lakh	Waived off on annual spends of Rs. 3 Lakh
Joining Benefits	499 NeuCoins on making a transaction within the first 30 days	1,499 NeuCoins on making a transaction within the first 30 days
Fuel Surcharge Waiver	1% fuel surcharge waiver, up to Rs. 250 per month	1% fuel surcharge waiver, up to Rs. 500 per month

Which One Should You Choose?

Choosing between the Plus and Infinity variants depends on your spending pattern and annual budget. If you frequently shop at Tata Neu & its partner brands and are looking for a low annual fee card with decent value-back, the Plus variant is a good choice with up to 7% NeuCoins on select Tata Neu spends. However, if you are seeking better value-back along with enhanced travel benefits, the Infinity variant would be a smarter choice.

However, one important thing to note is that the accumulated reward points can only be redeemed on Tata Neu and partner brands, making these cards a preferable option for Tata Neu loyalists. If you are looking for a card with multiple reward redemption options, you may consider other rewards credit cards such as HDFC Regalia Gold, Axis Bank Rewards, and more.

Choose Tata Neu Plus Credit Cards if:

You mostly spend on Tata Neu & its partner brands like BigBasket, Croma, Westside, Tanishq, etc.
You want a low annual fee card with benefits similar to those of the Infinity variant
You are a moderate spender seeking a card with decent value-back on spends at Tata Neu & its partner brands
You are not seeking a card with benefits on international travel

Choose Tata Neu Infinity Credit Cards if:

You are comfortable paying a higher annual fee of Rs. 1,499
You want better value-back of up to 10% on Tata Neu & its partner brand spends
You want to earn higher value-back on regular and UPI spends
You are looking for a card with better travel benefits, such as domestic & international lounge access, low forex markup fee, etc.