Tata Neu Infinity HDFC Bank Credit Card vs PhonePe SBI Card SELECT BLACK

On a typical ₹50,000 a month, PhonePe SBI Card SELECT BLACK returns about ₹18,360 a year after its fee and Tata Neu Infinity HDFC Bank Credit Card about ₹7,380: a gap of ₹10,980. Points counted as cashback.

Rupees back in a year, after the annual fee

Monthly card spendTata Neu Infinity HDFC Bank Credit CardPhonePe SBI Card SELECT BLACK
₹20,000₹1,381₹5,749
₹50,000₹7,380₹18,360
₹1,20,000₹17,640₹33,668

Category by category, on ₹50,000 a month

SpendingTata Neu Infinity HDFC Bank Credit CardPhonePe SBI Card SELECT BLACK
Online shopping₹1,800 (1.5%)₹6,000 (5%)
Groceries₹1,440 (1.5%)₹960 (1%)
Food delivery₹720 (1.5%)₹2,400 (5%)
Dining out₹720 (1.5%)₹480 (1%)
Fuel₹0 (0%)₹0 (0%)
Bills & utilities₹900 (1.5%)₹4,920 (10%)
Travel & flights₹900 (1.5%)₹3,000 (5%)
UPI payments₹0 (0%)₹0 (0%)
Everything else₹900 (1.5%)₹600 (1%)

The facts

Tata Neu Infinity HDFC Bank Credit CardPhonePe SBI Card SELECT BLACK
Annual fee₹1,499₹1,499
Fee waived at₹3,00,000 a year₹3,00,000 a year
Foreign markupNot published1.99%

Tata Neu Infinity HDFC Bank Credit Card · PhonePe SBI Card SELECT BLACK · Compare on your own spending

Common questions

Tata Neu Infinity HDFC Bank Credit Card vs PhonePe SBI Card SELECT BLACK: which is better?

On a typical ₹50,000 a month, PhonePe SBI Card SELECT BLACK returns about ₹18,360 a year after its fee and Tata Neu Infinity HDFC Bank Credit Card about ₹7,380: a gap of ₹10,980. That is for a typical mix of spending with points counted as cashback. The better card for you depends on where your money goes, so compare them on your own numbers on SahiCard.

Does the answer change at other spending levels?

At ₹20,000 a month: Tata Neu Infinity HDFC Bank Credit Card ₹1,381, PhonePe SBI Card SELECT BLACK ₹5,749. At ₹50,000 a month: Tata Neu Infinity HDFC Bank Credit Card ₹7,380, PhonePe SBI Card SELECT BLACK ₹18,360. At ₹1,20,000 a month: Tata Neu Infinity HDFC Bank Credit Card ₹17,640, PhonePe SBI Card SELECT BLACK ₹33,668.

Where do these numbers come from?

Each card's rates, caps, exclusions and fees are read from the bank's own pages (last on 2026-09-30), then applied to the same spending for both cards.