SimplySAVE SBI Card vs Tata Neu Plus HDFC Bank Credit Card
Last verified 18 Oct 2026 · how we compare
Side by side
| Feature | SimplySAVE SBI Card | Tata Neu Plus HDFC Bank Credit Card |
|---|---|---|
| Issuer | SBI Card | HDFC Bank |
| Joining fee | ₹499 | ₹499 |
| Annual fee | ₹499 | ₹499 |
| Fee waiver | Renewal fee reversed if annual spends in the previous year are ₹1,00,000 or more | Renewal fee waived on spends of ₹1,00,000 or more in the year before the renewal date. Welcome benefit of 499 NeuCoins (credited by Tata Digital in the Tata Neu app) on the first transaction within 30 days of issuance, given as a reversal of the first-year fee |
| Everyday spends (value back) | 0.17% | 1% |
| Online shopping (value back) | 0.17% | 1% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 1.67% | 1% |
| UPI (value back) | – | 1% |
| Travel (value back) | 0.17% | 1% |
| Bills and utilities (value back) | 0.17% | 1% |
| Dining and food delivery (value back) | 1.67% | 1% |
| Rewards in short | Everyday spends card: 10X points on dining, movies, grocery and departmental stores (about 1.67% back), 1 point per ₹150 elsewhere. | NeuCoins worth ₹1 each on Tata Neu: 2% back at Tata partner brands (Croma, BigBasket, Tata CLiQ, Westside, IHCL, Air India and others), 1% on other spends, up to 1% on RuPay UPI (500 NeuCoins a month cap); fuel, rent, wallet and government spends earn nothing. |
| Works on UPI | No | Yes (RuPay) |
| Airport lounge | Not published by the bank | 4 domestic lounge vouchers a year (1 a calendar quarter) after ₹50,000 spend in a calendar quarter. |
| Forex markup | 3.5% | 3.5% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of ₹500 to ₹3,000; max ₹100 per statement cycle | 1% waiver on fuel transactions of ₹400 to ₹5,000, capped at ₹250 per statement cycle |
| Card network | Visa, Mastercard | Visa, RuPay |
| Minimum income (salaried) | Not published by the bank | ₹25,000 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the SimplySAVE SBI Card if
most of your card spending is on dining, movies, groceries and department stores
₹499 joining, ₹499 a year
Pick the Tata Neu Plus HDFC Bank Credit Card if
you want 1% on most spends and UPI, or shop at Tata brands
₹499 joining, ₹499 a year
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which is better for groceries, SimplySAVE or Tata Neu Plus?
At most grocery and department stores, SimplySAVE: about 1.67% back against Tata Neu Plus's 1%. At BigBasket and other Tata brands, Tata Neu Plus pays 2%. SimplySAVE's 10X stops at 5,000 points (₹1,250) a month and doesn't apply at Metro Cash & Carry, Flipkart Wholesale or Walmart; Tata Neu Plus caps grocery NeuCoins at 1,000 a month.
Can I use SimplySAVE or Tata Neu Plus on UPI?
Only Tata Neu Plus, in its RuPay variant. It earns up to 1% on UPI, capped at 500 NeuCoins a month. SBI lists SimplySAVE on Visa and Mastercard, not RuPay, so it can't be linked to UPI.
Does SimplySAVE or Tata Neu Plus have lounge access?
Tata Neu Plus gives 1 domestic lounge voucher each calendar quarter, up to 4 a year, when you spend ₹50,000 in that quarter. SBI doesn't list lounge access for SimplySAVE.
Do they earn on bills, fuel or rent?
On utility bills, Tata Neu Plus pays 1% (up to 2,000 NeuCoins a month) against SimplySAVE's 0.17%. Neither earns on fuel, rent, wallet loads or government payments. SimplySAVE waives the 1% fuel surcharge on ₹500 to ₹3,000 transactions, up to ₹100 a statement cycle; Tata Neu Plus on ₹400 to ₹5,000, up to ₹250.
Full details: SimplySAVE SBI Card · Tata Neu Plus HDFC Bank Credit Card · find the card that fits your spending
Last verified 18 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.