State Bank of India Smart Cashback Credit CardTata Neu Plus Hdfc Bank Credit Card
Side-by-side comparison of fees, rewards, benefits & more
State Bank of India Smart Cashback Credit Card
State Bank of India
4.3/5
Tata Neu Plus Hdfc Bank Credit Card
HDFC Bank
3.5/5
Feature
State Bank of India Smart Cashback Credit Card
Tata Neu Plus Hdfc Bank Credit Card
Bank / Issuer
State Bank of India
HDFC Bank
Card Network
Mastercard
Rupay
Card Type
Entry
premium
Annual Fee
₹499 + GST
₹499 + GST
Joining Fee
₹499 + GST
—
First Year Fee
₹499 + GST
NIL
Fee Waiver Condition
Spend ₹1 lakh in a year
Waived on spending ₹1,00,000 or more in the previous year
Contactless Payment
Effectively Free
State Bank of India Smart Cashback Credit Card — Key Features
- Cashback credited monthly
- Milestone spend fee waiver
State Bank of India Smart Cashback Credit Card — Benefits
- Easy-to-track savings on regular expenses
Fee & Charges Summary
State Bank of India Smart Cashback Credit Card
| Interest | 3.5% per month |
| Late Payment Fee | As per statement amount slab |
Tata Neu Plus Hdfc Bank Credit Card
| Interest Rate | 3.6% per month (43.2% per annum) |
| Cash Advance Fee | 2.5% or ₹500 |
| Add-on Card Fee | Lifetime Free |
| Rewards Redemption Fee | ₹99 per redemption request |
State Bank of India Smart Cashback Credit Card — Highlights
- Flat cashback on eligible spends
- Extra benefits on utility payments
Tata Neu Plus Hdfc Bank Credit Card — Highlights
- 2% back as NeuCoins on non-EMI spends at partner Tata Brands
- Additional 5% back as NeuCoins on Tata Neu App/Website
- 1% back as NeuCoins on non-Tata brands and Merchant EMI spends
- 1% back as NeuCoins on UPI spends
- 1% Fuel Surcharge Waiver (on transactions between ₹400 and ₹5,000)
Frequently Asked Questions
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