SBI Card PRIME vs Tata Neu Infinity SBI Credit Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified July 2026.
Quick Key Takeaways & Fact Summary
- Overall Winner: SBI Card PRIME earns higher net annual returns at standard spend tiers.
- Annual Fee: SBI Card PRIME (₹2999/yr) vs Tata Neu Infinity SBI Credit Card (₹1499/yr).
- Base Reward Rate: SBI Card PRIME (2 pts/₹100) vs Tata Neu Infinity SBI Credit Card (1.5% Cashback).
- Lounge Access: SBI Card PRIME (8 dom) vs Tata Neu Infinity SBI Credit Card (8 dom).
Interactive Net Returns Calculator
Adjust spend profiles to compare total net value, annual fee waivers, category earnings, and milestone bonuses.
Your Monthly Spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1SBI Card · fee waived
2SBI Card · fee waived
Smart verdict
Get the SBI Card PRIME — it earns you +₹1,549/yr over the Tata Neu Infinity SBI Credit Card, mostly from your groceries spend.
Why the winner can show fewer rewards: recurring rewards are only one part of net value. SBI Card PRIME is ahead after adding milestone benefits and subtracting the effective annual fee; compare those three lines before choosing a card.
How Your Spends Convert to Rewards
Live calculation breakdown for SBI Card PRIME
| Spend Category | Monthly Spend | Reward Rate | Points Earned | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|---|
Fuel | ₹4,000/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Rent | ₹10,000/mo | 0 Pts / ₹100 | 0 pts0 pts/yr | ₹0 | ₹0/yr | Excluded |
Other Online Shopping | ₹6,000/mo | 2 Pts / ₹100 | 120 pts1,440 pts/yr | ₹30 | ₹360/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 2 Pts / ₹100 | 70 pts840 pts/yr | ₹18 | ₹210/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 2 Pts / ₹100 | 40 pts480 pts/yr | ₹10 | ₹120/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 10 Pts / ₹100 | 500 pts6,000 pts/yr | ₹125 | ₹1,500/yr | Active Earn |
Groceries | ₹7,000/mo | 10 Pts / ₹100 | 700 pts8,400 pts/yr | ₹175 | ₹2,100/yr | Active Earn |
Utilities & Bills | ₹4,000/mo | 0.5 Pts / ₹100 | 20 pts240 pts/yr | ₹5 | ₹60/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 2 Pts / ₹100 | 80 pts960 pts/yr | ₹20 | ₹240/yr | Active Earn |
Insurance | ₹1,500/mo | 2 Pts / ₹100 | 30 pts360 pts/yr | ₹8 | ₹90/yr | Active Earn |
Other / Offline | ₹3,000/mo | 2 Pts / ₹100 | 60 pts720 pts/yr | ₹15 | ₹180/yr | Active Earn |
Net annual value across spend levels
All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).
Card features side by side
Use the table for product rules; use the calculator above for value based on your actual spending.
| Feature | SBI Card PRIMESBI Card | Tata Neu Infinity SBI Credit CardSBI Card |
|---|---|---|
| Joining fee | ₹2,999 | ₹1,499 |
| Annual fee | ₹2,999/yr | ₹1,499/yr |
| Fee waiver | Spend ₹3,00,000/yr | Spend ₹3,00,000/yr |
| Base reward | 2 pts / ₹100 | 1.5% cashback |
| Top reward categories | 10x dining, 10x groceries, 0.5x utilities | 5% online (higher rate at select merchants only) |
| Redemption friction | Moderate | Auto credit |
| Point expiry | 24 months | 24 months |
| Lounge access | 8 dom · 4 intl⚠ International via Priority Pass, max 2/quarter | 8 dom · 4 intl⚠ Domestic 2/quarter on Rs.75,000 prior-quarter spend; international 1/quarter (Priority Pass) |
| Forex markup | 3.5% | 1.99% |
| Fuel surcharge | 1% waiver, up to ₹100/mo | 1% waiver, up to ₹500/mo |
| Min income · salaried | Not stated | Not stated |
| Min income · self-employed | Not stated | Not stated |
| Eligibility (as stated) | Not published by bank | Not published by bank |
| Recent devaluations | None recorded | None recorded |
| Verified against | Updated 2026-08-13Official SBI Card Credit Card Page | Updated 2026-07Official SBI Card Credit Card Page |
Verdict at a Glance
Choose SBI Card PRIME if your monthly spending is focused on dining, groceries.
Choose Tata Neu Infinity SBI Credit Card if you spend heavily on online.
SBI Card PRIME vs Tata Neu Infinity SBI Credit Card Spend Tier Breakdown
Simulated net annual returns across typical Indian monthly spending profiles.
Tata Neu Infinity SBI Credit Card
At ₹25,000/month, Tata Neu Infinity SBI Credit Card nets ₹7,320/yr vs SBI Card PRIME at ₹6,557/yr — a ₹764 edge.
SBI Card PRIME
At ₹50,000/month, SBI Card PRIME nets ₹15,859/yr vs Tata Neu Infinity SBI Credit Card at ₹14,310/yr — a ₹1,549 edge.
Tata Neu Infinity SBI Credit Card
At ₹1,00,000/month, Tata Neu Infinity SBI Credit Card nets ₹27,960/yr vs SBI Card PRIME at ₹20,164/yr — a ₹7,796 edge.
* Spend tier verdicts use standard category splits (cashback redemption mode). Actual net value depends on your specific spending categories.
Frequently Asked Questions
Which is better, SBI Card PRIME or Tata Neu Infinity SBI Credit Card?▼
At a typical ₹50,000/month spend (cashback redemption), SBI Card PRIME comes out ahead by about ₹1,549 per year, driven mostly by groceries spend. Your own split can change the answer — use the calculator above to plug in your numbers.
Which card is better for online shopping, SBI Card PRIME or Tata Neu Infinity SBI Credit Card?▼
SBI Card PRIME earns 2 pts/₹100 as a base, while Tata Neu Infinity SBI Credit Card earns 1.5%. Check the accelerated online/Amazon/Flipkart rates and monthly caps in the table above, since caps often decide the winner for heavy online spenders.
What are the annual fees for SBI Card PRIME and Tata Neu Infinity SBI Credit Card?▼
SBI Card PRIME: ₹2,999 + GST per year, waived on ₹3,00,000 annual spend. Tata Neu Infinity SBI Credit Card: ₹1,499 + GST per year, waived on ₹3,00,000 annual spend.
Do SBI Card PRIME and Tata Neu Infinity SBI Credit Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. SBI Card PRIME excludes fuel, rent; Tata Neu Infinity SBI Credit Card excludes none noted. The calculator shows these as ₹0 earners so your net value stays honest.
Is Tata Neu Infinity SBI Credit Card ever the better pick over SBI Card PRIME?▼
Within a normal spend range at ₹50,000/month, SBI Card PRIME stays ahead. Tata Neu Infinity SBI Credit Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.