SBI Card PULSE vs Tata Neu Infinity SBI Credit Card
Calculate exact net annual returns in ₹ after fee waivers, milestone rewards, categories, and caps. Card terms verified 2026-07.
Quick Key Takeaways & Fact Summary
- Overall Winner: Tata Neu Infinity SBI Credit Card earns higher net annual returns at standard spend tiers.
- Annual Fee: SBI Card PULSE (₹1499/yr) vs Tata Neu Infinity SBI Credit Card (₹1499/yr).
- Base Reward Rate: SBI Card PULSE (2 pts/₹100) vs Tata Neu Infinity SBI Credit Card (1.5% Cashback).
- Lounge Access: SBI Card PULSE (4 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 Tata Neu Infinity SBI Credit Card — it earns you +₹7,711/yr over the SBI Card PULSE, mostly from your other online shopping spend.
How Your Spends Convert to Rewards
Live calculation breakdown for SBI Card PULSE
| Spend Category | Monthly Spend | Reward Rate | Points Earned | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|---|
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 | 2 Pts / ₹100 | 140 pts1,680 pts/yr | ₹35 | ₹420/yr | Active Earn |
Fuel | ₹4,000/mo | 2 Pts / ₹100 | 80 pts960 pts/yr | ₹20 | ₹240/yr | Active Earn |
Utilities & Bills | ₹4,000/mo | 2 Pts / ₹100 | 80 pts960 pts/yr | ₹20 | ₹240/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 PULSESBI Card | Tata Neu Infinity SBI Credit CardSBI Card |
|---|---|---|
| Joining fee | ₹1,499 | ₹1,499 |
| Annual fee | ₹1,499/yr | ₹1,499/yr |
| Fee waiver | Spend ₹2,00,000/yr | Spend ₹3,00,000/yr |
| Base reward | 2 pts / ₹100 | 1.5% cashback |
| Top reward categories | 10x dining | 5% online (higher rate at select merchants only) |
| Redemption friction | Moderate | Auto credit |
| Point expiry | 24 months | 24 months |
| Lounge access | 4 dom · 0 intl⚠ Max 1 domestic/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 | None | 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 |
| Verified against | Updated 2026-07Official SBI Card Credit Card Page | Updated 2026-07Official SBI Card Credit Card Page |
Verdict at a Glance
Choose SBI Card PULSE if your monthly spending is focused on dining.
Choose Tata Neu Infinity SBI Credit Card if you spend heavily on online.
SBI Card PULSE 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 PULSE at ₹3,359/yr — a ₹3,961 edge.
Tata Neu Infinity SBI Credit Card
At ₹50,000/month, Tata Neu Infinity SBI Credit Card nets ₹14,310/yr vs SBI Card PULSE at ₹6,599/yr — a ₹7,711 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 PULSE at ₹9,959/yr — a ₹18,001 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 PULSE or Tata Neu Infinity SBI Credit Card?▼
At a typical ₹50,000/month spend (cashback redemption), Tata Neu Infinity SBI Credit Card comes out ahead by about ₹7,711 per year, driven mostly by other online shopping 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 PULSE or Tata Neu Infinity SBI Credit Card?▼
SBI Card PULSE 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 PULSE and Tata Neu Infinity SBI Credit Card?▼
SBI Card PULSE: ₹1,499 + GST per year, waived on ₹2,00,000 annual spend. Tata Neu Infinity SBI Credit Card: ₹1,499 + GST per year, waived on ₹3,00,000 annual spend.
Do SBI Card PULSE 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 PULSE excludes rent; Tata Neu Infinity SBI Credit Card excludes none noted. The calculator shows these as ₹0 earners so your net value stays honest.
Is SBI Card PULSE ever the better pick over Tata Neu Infinity SBI Credit Card?▼
Within a normal spend range at ₹50,000/month, Tata Neu Infinity SBI Credit Card stays ahead. SBI Card PULSE can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.