Axis Bank Shoppers Stop Credit Card vs Tata Neu Infinity SBI Credit Card

• Renewal fee will get waived for cumulative spend of Rs. 1 Lakh and above
• Avail unlimited 20 First Citizen accelerated points for every Rs. 200 spent on private label brands of Shopper’s Stop
• Avail unlimited 12 First Citizen accelerated points for every Rs. 200 spent on beauty products and other brands at Shopper’s Stop
• Avail unlimited 2 First Citizen points earned on every Rs. 200 spent elsewhere
• Reward points will get credited directly to the cardholder’s First Citizen Loyalty account
• Enjoy a 15% instant discount on EazyDiner with Axis Bank Shoppers Stop Credit Card
• Maximum discount is capped at Rs. 500 per month
• Offer is applicable on a minimum order value of Rs. 2500
• Get 15% instant discount on EazyDiner. The maximum discount is capped at Rs. 500 per month and this offer is applicable on a minimum order value of Rs. 2500
• Avail 1% fuel surcharge on fuel purchases at all fuel outlets in India. This is valid on transactions between Rs. 400 to Rs. 5000

• Welcome benefits include getting 1,499 NeuCoins worth Rs. 1,499 on Tata Neu app on payment of joining fee
• Redeem these coins on Tata New App/Website and partner Tata Brands
• Avail 5% Value Back as NeuCoins on non-EMI spends at the Tata Neu App / Website and partner Tata brands
• Extra 5% value-back as NeuCoins on select category spends at Tata Neu app/Website
• 1.5% value-back as NeuCoins on other spends
• 1.5% value-back as NeuCoins on UPI spends (on the RuPay Variant)
• Low forex markup fee of 1.99%
• 8 complimentary domestic lounge visits every year (Max. 2 per quarter) on spending Rs. 75,000 in the previous quarter
• Complimentary Priority Pass Membership along with 4 complimentary international airport lounge accesses per year (1 per quarter)
• Post complimentary visits, a usage fee of $27 + applicable taxes will be charged per Priority Pass lounge visit
• Priority Pass and complimentary membership is valid for 2 years only
• 1% fuel surcharge waiver, on every transaction between Rs. 500 and Rs. 4,000
• Annual fee waiver on spending Rs. 3 Lakh in a year
• Withdraw cash from over 1 million Visa, Mastercard or American Express ATMs across the globe
• Convert eligible purchases into easy monthly EMIs. This is applicable on transactions of Rs. 2,500 or more
• Pay electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Transfer outstanding balances of other banks’ credit cards to the Tata Neu Infinity SBI Card at a lower interest rate and repay in easy EMIs

Pros

• No redemption fee, customers can easily redeem points without paying any additional fees
• Renewal fee will get waived on spending of Rs. 1 lakh or more in the previous year
• Welcome benefits

Cons

• No railway lounge access
• No airport lounge access
• Reward points are limited to Shoppers Stop outlets online/offline only

Pros
* Complimentary domestic and international lounge access
* 1.5% value-back as NeuCoins on other spends, and 1.5% value-back as NeuCoins on UPI spends (on the RuPay Variant)
* Welcome benefits

Cons
* No Golf Benefits
* No movie benefits
* Reward redemption is limited to Tata Neu and its partner brands