Tata Neu Infinity SBI Credit Card vs HDFC Millennia Credit Card

• 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

• Renewal Offer: Spend Rs. 1 lakh or more in the previous 12 months to waive the renewal membership fee for the next year
• Avail 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato
• Avail 1% cashback on all other spends
• Get Rs. 1000 worth of gift vouchers on spends of Rs. 1,00,000 and above in each calendar quarter
• Up to 20% discount on partnered restaurants via Swiggy Dineout
• Zero lost card liability
• Up to 50 days of interest-free period from the date of purchase
• Revolving Credit is available at a nominal interest rate 
• Enjoy amazing dining benefits with the Good Food Trail program
• Save up to 20% on your restaurant bill payments at more than 20,000 restaurants with Swiggy Dineout. This offer includes both restaurant and Swiggy discounts and is only available for payments made through the Swiggy App
• Lounge access has been added to the quarterly spend milestone program, effective from December 1, 2023. Once a user achieves a quarterly spend milestone, they can choose to receive either a Dreamfolks airport lounge access voucher or a Rs. 1000 voucher from a list of available brands
• 1% fuel surcharge waiver at all fuel stations in India. This is valid on transactions between Rs. 400 and Rs. 5000 
• Convert big spends into EMI after purchase
• This card is equipped with contactless payment technology for added convenience and speed

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

Pros

• Get 7% Reward points on every Shoppers Stop spends
• Get 2% Reward points on every Non-Shoppers Stop spends
• Enjoy Complimentary Shoppers Stop Black membership worth Rs. 4500

Cons

• No golf/coaching sessions
• No proper lounge access benefits