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Mukesh Ambani v. Ratan Tata- SBI Reliance Prime Card v. Tata Neu Infinity Card

Two powerful contenders duke it out in the arena of Indian credit cards: Tata Neu Infinity by HDFC Bank and SBI Reliance Prime by SBI Card. Deciding which one reigns supreme for you is no small feat, so let's delve into their features and fees, dissecting them like financial gladiators!

Tata Neu Infinity Card

Tata Neu Infinity: A Deep Dive into the Gemstone of the Tata Universe

In the glittering galaxy of Indian credit cards, the Tata Neu Infinity by HDFC Bank shines like a supernova. This premium card, packed with a constellation of benefits and rewards, promises to unlock a universe of experiences within the Tata Neu ecosystem. But is it truly a cosmic upgrade for your wallet? Let's embark on a deep dive into the Tata Neu Infinity, dissecting its features, fees, and potential pitfalls to see if it deserves a place in your financial constellation.

Rewarding You at Every Neu-turn:

  • NeuCoins Galore: Forget boring points, the Tata Neu Infinity showers you with NeuCoins, the currency of the Tata Neu ecosystem. Earn a staggering 10% NeuCoins on all spends within Tata Neu, including Bigbasket, Croma, Taj Hotels, and more. That's like getting Rs. 10 back for every Rs. 100 spent! Don't have a NeuPass membership? No worries, you still get 5% NeuCoins, making rewards readily accessible.

  • Beyond Tata: Even on non-Tata brands and merchant EMIs, you pocket 1.5% NeuCoins, ensuring rewards keep flowing no matter where you swipe.

Lounging like a Star:

  • Airport Oasis: Forget the hustle and bustle of public terminals. The Tata Neu Infinity grants you 8 complimentary domestic airport lounge visits per year, offering a haven of peace and comfort before your flight. Need more? Each additional visit only costs Rs. 2, a small price to pay for premium relaxation.

  • Conquering the Globe: For the globetrotter in you, international lounge access awaits, but with a catch. Reach specific annual spending thresholds to unlock complimentary visits or pay additional fees. Remember, the world is your oyster, but it might come with an entry fee.

Benefits Beyond Rewards:

  • Fueling Your Savings: Say goodbye to pesky fuel surcharges. The Tata Neu Infinity waives them at select fuel stations, putting a smile on your face and a little extra in your wallet.

  • Movie Magic: Catch the latest flicks at discounted rates with special movie ticket offers, making your cinematic adventures even more budget-friendly.

  • Zomato Gold for Free: Indulge in culinary delights with a complimentary Zomato Gold membership, unlocking exclusive restaurant deals and delivery benefits. Treat your taste buds like royalty!

  • And More: From insurance coverage to rent payment convenience, the Tata Neu Infinity offers a plethora of additional perks, adding a layer of value to your everyday life.

Facing the Shadowy Side:

  • A Hefty Price Tag: This star card comes with a premium price tag. The annual fee of Rs. 5,000 can be a barrier for some budget-conscious spenders.

  • NeuCoin Maze: While NeuCoins are exciting, remember they have their own redemption ecosystem. Not all purchases translate directly to rupees, requiring you to navigate specific partner options for maximum value.

  • Non-Tata Spending Woes: The 1.5% NeuCoins on non-Tata brands might feel underwhelming compared to other cards offering higher base reward rates.

  • International Lounge Access Hurdles: The tiered system for international lounge access can feel restrictive, potentially requiring significant annual spends to unlock true global lounging freedom.

Shining Bright for Whom?:

The Tata Neu Infinity is a stellar choice for:

  • Tata Neu Loyalists: If you live and breathe within the Tata Neu ecosystem, this card is a match made in heaven. Maximize NeuCoin rewards, enjoy exclusive benefits, and unlock a world of convenience within the Tata universe.

  • Big Spenders: The higher reward rates and lounge access become more attractive with increased spending. If you're a high-flyer, the annual fee might be justified by the value generated.

  • Luxury Seekers: The card's premium features and brand cachet cater to those who appreciate exclusivity and convenience.


The Tata Neu Infinity is a powerful contender in the premium credit card arena. Its dazzling array of NeuCoin rewards, lounge access, and additional benefits shines bright. However, the hefty annual fee and limitations like the NeuCoin ecosystem and tiered international lounge access require careful consideration. Weigh your spending habits, loyalty to Tata Neu, and budget constraints before making this card your financial North Star. Remember, even the brightest stars can't outshine a card that perfectly aligns with your unique financial needs.

Reliance SBI Card Prime

In the crowded Indian credit card market, the Reliance SBI Card PRIME stands out for its focus on Reliance ecosystem benefits. But is it just a niche card, or can it be a valuable addition to your wallet? Let's dive into a detailed analysis of its features, fees, and rewards to help you decide.


  • High Reliance Rewards: 10 reward points per Rs. 100 spent at Reliance stores (Trends, AJIO, JioMart, etc.) is hard to beat. This translates to a 10% redemption value, significantly higher than most cards.

  • Welcome Vouchers: Get Rs. 3,000 worth of Reliance vouchers (AJIO, Zivame, etc.) on card approval, adding immediate value.

  • Airport Lounge Access: Enjoy complimentary access to domestic airport lounges (2 per quarter) and discounts on international lounge access.

  • Travel and Dining Benefits: 4 points per Rs. 100 on dining and movie spends adds up over time.

  • Fuel Surcharge Waiver: Get 1% fuel surcharge waiver on transactions above Rs. 500 at Indian pumps.

  • Contactless Payments: Enjoy the convenience and security of contactless payments with your card.

  • No Add-on Card Fee: Add supplementary cards for family members at no extra cost.


  • High Annual Fee: The Rs. 2,999 annual fee (plus GST) might be a deterrent for some, though it gets waived off with Rs. 3 lakh annual spending.

  • Limited Reward Program: Outside Reliance stores, the reward rate of 2 points per Rs. 100 is relatively low compared to other premium cards.

  • Reward Redemption Fee: Rs. 99 per redemption can eat into your points value.

  • Foreign Currency Markup: 3.5% markup on foreign currency transactions makes overseas spending expensive.


The Reliance SBI Card PRIME is ideal for:

  • Frequent Reliance shoppers: Maximize your savings and earn substantial rewards on your everyday purchases.

  • Airport Lounge enthusiasts: Enjoy lounge access at domestic airports without paying high annual fees.

  • Occasional travelers and diners: Earn decent rewards on travel and dining spends.


The Reliance SBI Card PRIME offers undeniable value for frequent Reliance shoppers, with high rewards and attractive welcome benefits. However, the hefty annual fee and limited reward program outside Reliance make it less suitable for others. Carefully assess your spending habits and compare options before making your decision.

Tata V. Reliance

Reward Points:

  • Tata Neu Infinity: Earns a whopping 10% NeuCoins on Tata Neu (including 5% with NeuPass membership) and 5% on partner Tata brands like Bigbasket, Croma, Taj Hotels, etc. Offers 1.5% NeuCoins on non-Tata brands and merchant EMIs.

  • SBI Reliance Prime: Rewards you with 4% CV Points on all spends, convertible to air miles or merchandise. You also get bonus CV Points on dining, fuel, and movie spends.

Lounge Access:

  • Tata Neu Infinity: Grants 8 complimentary domestic airport lounge visits per year, but charges Rs. 2 per visit. International lounge access requires additional spend thresholds.

  • SBI Reliance Prime: Offers unlimited domestic airport lounge access in partnership with Club Vistara. International lounge access depends on annual spends with additional fees.

Annual Fees:

  • Tata Neu Infinity: Steeper annual fee of Rs. 5,000, but waived off for the first year for some specific customers.

  • SBI Reliance Prime: Lower annual fee of Rs. 2,999 + taxes.

Other Benefits:

  • Tata Neu Infinity: Enjoys benefits like fuel surcharge waiver, movie ticket offers, and complimentary Zomato Gold membership.

  • SBI Reliance Prime: Offers insurance coverage, rent payment convenience, and additional discounts on partner brands like Reliance Jio and MakeMyTrip.

Fees and Charges:

  • Both cards: Have standard charges for foreign currency transactions, late payments, and cash withdrawals.

  • Tata Neu Infinity: Might have additional fees for specific NeuCoins redemption options.

The Verdict:

Choosing the champion depends on your spending habits and priorities:

  • High Spenders & Tata Neu Ecosystem Lovers: If you spend heavily on Tata brands and prioritize NeuCoins, Tata Neu Infinity shines with its high rewards and lounge access. The steep annual fee is offset by benefits like Zomato Gold.

  • Value Seekers & Frequent Flyers: For cost-conscious travellers who value lounge access and prefer air miles, SBI Reliance Prime's lower annual fee and unlimited domestic lounge access are tempting.


  • Analyze your typical spends and preferred benefit categories.

  • Compare annual fees, reward rates, and additional charges carefully.

  • Consider which loyalty program (NeuCoins or CV Points) suits your needs better.

Ultimately, the victor in this battle is the card that best aligns with your financial lifestyle. Choose wisely, dear cardholder, and conquer the world of rewards and privileges!

Bonus Tip: Check for ongoing offers and welcome bonuses for each card before making your decision.

I hope this detailed comparison helps you choose the credit card that reigns supreme for your financial needs! Feel free to ask if you have any further questions about specific features or benefits.

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