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HDFC Tata Neu Infinity vs SBI IRCTC Platinum

Compare HDFC Tata Neu Infinity vs SBI IRCTC Platinum across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Tata Neu Infinity leads on reward rate, while SBI IRCTC Platinum has the lowest annual fee.

Card 1

HDFC Tata Neu Infinity

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0

Card 2

SBI IRCTC Platinum

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.3.4
HDFC Tata Neu Infinity Credit Card
Balanced value10.0

hdfc / RUPAY

HDFC Tata Neu Infinity

Annual

₹2,999

Return

5%

Lounges

12

Forex

2.5%

Card summary
  • HDFC Tata Neu Infinity leans travel and lifestyle with ₹2,999 annual fee, 5% headline return potential, and 12 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,999 annual fee.
  • 5% reward rate can outperform flat cashback for loyal users.
  • 12 lounge access adds travel utility.
Cons
  • 2.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
SBI IRCTC Platinum - SBI credit card
Balanced value3.4

sbi / VISA

SBI IRCTC Platinum

Annual

₹499

Return

2%

Lounges

2

Forex

3.5%

Card summary
  • SBI IRCTC Platinum leans travel and lifestyle with ₹499 annual fee, 2% headline return potential, and 2 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹499 annual fee.
  • 2% reward rate can outperform flat cashback for loyal users.
  • 2 lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
HDFC Tata Neu Infinity
SBI IRCTC Platinum
Fees
Annual fee
₹2,999
₹499
Joining fee
₹2,999
₹499
Rewards
Cashback rate
3%
1%
Reward rate
5%
2%
Travel
Forex markup
2.5%
3.5%
Domestic lounges
8
2
International lounges
4
0
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹6,00,000
₹2,00,000

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