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SBI AURUM vs HDFC Tata Neu Infinity

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

Comparison cockpit

Futuristic side-by-side card intelligence

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

Card 1

SBI AURUM

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

Card 2

HDFC Tata Neu Infinity

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.10.0
SBI AURUM Credit Card
Premium stack10.0

sbi / VISA

SBI AURUM

Annual

₹9,999

Return

6%

Lounges

Unlimited

Forex

3.5%

Card summary
  • SBI AURUM leans travel and lifestyle with ₹9,999 annual fee, 6% headline return potential, and Unlimited lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹9,999 annual fee.
  • 6% reward rate can outperform flat cashback for loyal users.
  • Unlimited lounge access adds travel utility.
Cons
  • 3.5% forex markup can reduce overseas value.
  • Higher ₹30,00,000 income expectation narrows eligibility.
  • 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

Best when annual benefits are actively redeemed.

Full card details
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
Metric
SBI AURUM
HDFC Tata Neu Infinity
Fees
Annual fee
₹9,999
₹2,999
Joining fee
₹9,999
₹2,999
Rewards
Cashback rate
1.5%
3%
Reward rate
6%
5%
Travel
Forex markup
3.5%
2.5%
Domestic lounges
Unlimited
8
International lounges
Unlimited
4
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
Yes
Eligibility
Minimum income
₹30,00,000
₹6,00,000

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