Tata Neu Infinity SBI Credit Card vs Titan SBI 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: Tata Neu Infinity SBI Credit Card (₹1499/yr) vs Titan SBI Card (₹2999/yr).
- Base Reward Rate: Tata Neu Infinity SBI Credit Card (1.5% Cashback) vs Titan SBI Card (1.5 pts/₹100).
- Lounge Access: Tata Neu Infinity SBI Credit Card (8 dom) vs Titan SBI 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 +₹4,331/yr over the Titan SBI Card, mostly from your other online shopping spend.
How Your Spends Convert to Rewards
Live calculation breakdown for Tata Neu Infinity SBI Credit Card
| Spend Category | Monthly Spend | Reward Rate | Monthly Value | Annual Value | Status / Caps |
|---|---|---|---|---|---|
Other Online Shopping | ₹6,000/mo | 5% Cashback | ₹300 | ₹3,600/yr | Active Earn |
Amazon Spends | ₹3,500/mo | 5% Cashback | ₹175 | ₹2,100/yr | Active Earn |
Flipkart Spends | ₹2,000/mo | 5% Cashback | ₹100 | ₹1,200/yr | Active Earn |
Dining & Food Delivery | ₹5,000/mo | 1.5% Cashback | ₹75 | ₹900/yr | Active Earn |
Groceries | ₹7,000/mo | 1.5% Cashback | ₹105 | ₹1,260/yr | Active Earn |
Fuel | ₹4,000/mo | 1.5% Cashback | ₹100(incl. ₹40 waiver) | ₹1,200/yr | Fuel Waiver Stacked |
Utilities & Bills | ₹4,000/mo | 1.5% Cashback | ₹60 | ₹720/yr | Active Earn |
Travel (Flights/Hotels) | ₹4,000/mo | 1.5% Cashback | ₹60 | ₹720/yr | Active Earn |
Rent | ₹10,000/mo | 1.5% Cashback | ₹150 | ₹1,800/yr | Active Earn |
Insurance | ₹1,500/mo | 1.5% Cashback | ₹23 | ₹270/yr | Active Earn |
Other / Offline | ₹3,000/mo | 1.5% Cashback | ₹45 | ₹540/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 | Tata Neu Infinity SBI Credit CardSBI Card | Titan SBI CardSBI Card |
|---|---|---|
| Joining fee | ₹1,499 | ₹2,999 |
| Annual fee | ₹1,499/yr | ₹2,999/yr |
| Fee waiver | Spend ₹3,00,000/yr | Spend ₹3,00,000/yr |
| Base reward | 1.5% cashback | 1.5 pts / ₹100 |
| Top reward categories | 5% online (higher rate at select merchants only) | 7.5x other (higher rate at select merchants only) |
| Redemption friction | Auto credit | Moderate |
| Point expiry | 24 months | 24 months |
| Lounge access | 8 dom · 4 intl⚠ Domestic 2/quarter on Rs.75,000 prior-quarter spend; international 1/quarter (Priority Pass) | 8 dom · 4 intl⚠ Max 2/quarter each; Priority Pass first 2 years |
| Forex markup | 1.99% | 3.5% |
| Fuel surcharge | 1% waiver, up to ₹500/mo | None |
| 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 2026-07Official SBI Card Credit Card Page | Updated 2026-07Official SBI Card Credit Card Page |
Verdict at a Glance
Choose Tata Neu Infinity SBI Credit Card if your monthly spending is focused on online.
Choose Titan SBI Card if you spend heavily on other.
Tata Neu Infinity SBI Credit Card vs Titan SBI 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 Titan SBI Card at ₹3,989/yr — a ₹3,331 edge.
Tata Neu Infinity SBI Credit Card
At ₹50,000/month, Tata Neu Infinity SBI Credit Card nets ₹14,310/yr vs Titan SBI Card at ₹9,979/yr — a ₹4,331 edge.
Tata Neu Infinity SBI Credit Card
At ₹1,00,000/month, Tata Neu Infinity SBI Credit Card nets ₹27,960/yr vs Titan SBI Card at ₹22,994/yr — a ₹4,966 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, Tata Neu Infinity SBI Credit Card or Titan SBI Card?▼
At a typical ₹50,000/month spend (cashback redemption), Tata Neu Infinity SBI Credit Card comes out ahead by about ₹4,331 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, Tata Neu Infinity SBI Credit Card or Titan SBI Card?▼
Tata Neu Infinity SBI Credit Card earns 1.5% as a base, while Titan SBI Card earns 1.5 pts/₹100. 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 Tata Neu Infinity SBI Credit Card and Titan SBI Card?▼
Tata Neu Infinity SBI Credit Card: ₹1,499 + GST per year, waived on ₹3,00,000 annual spend. Titan SBI Card: ₹2,999 + GST per year, waived on ₹3,00,000 annual spend.
Do Tata Neu Infinity SBI Credit Card and Titan SBI Card earn rewards on rent, fuel and utilities?▼
Like most Indian cards, several everyday categories are excluded. Tata Neu Infinity SBI Credit Card excludes none noted; Titan SBI Card excludes fuel, rent, utilities. The calculator shows these as ₹0 earners so your net value stays honest.
Is Titan SBI Card 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. Titan SBI Card can still win on specific perks (lounge, forex, redemption ease) that aren't counted in the net-value maths.