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Tata Neu Infinity HDFC Bank vs PhonePe SBI SELECT BLACK – Full comparison

Both cards verified with issuer

Tata Neu Infinity HDFC Bank source PhonePe SBI SELECT BLACK source

Forex costs are a key difference

Key differences

Best lounge PhonePe SBI SELECT BLACK 16/year lounge

Spend context

At ₹50k/month spend:

  • Tata Neu Infinity HDFC Bank: ~₹630/month at base rate
  • PhonePe SBI SELECT BLACK: Base earn not clearly specified

Approximate, based on base rates (before caps).

Tata Neu Infinity HDFC Bank HDFC PhonePe SBI SELECT BLACK SBI
Lounge Access
Domestic lounge visits
8/year vs 16/year
 8/year 16/year
Forex / International Use
Forex markup
PhonePe SBI SELECT BLACK unclear; Tata Neu Infinity HDFC Bank shows 2% (verify).
 2% Not clearly specified
Fees
Annual fee
No difference
 ₹1,499 ₹1,499
Joining fee
₹1,499 vs ₹500
 ₹1,499 ₹500
Fee waiver spend
Only available for Tata Neu Infinity HDFC Bank
 ₹3,00,000 Not clearly specified
Rewards
Points per ₹100
Only available for Tata Neu Infinity HDFC Bank
 5 pts Check issuer
Point cash value
₹0.25 vs ₹1
 ₹0.25 ₹1

Notes

  • Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Source: issuer websites + manual verification · Last verified 20 April 2026
Important

Data is compiled from issuer and public sources. Always verify with the issuer before applying.