What are the annual fees for Tata Neu Infinity HDFC Bank Credit Card and BPCL SBI Octane Credit Card?

Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. BPCL SBI Octane Credit Card has ₹1,499 + GST. Fees are shown before 18% GST, which is added on the bill.

What base reward rate does each card earn?

Tata Neu Infinity HDFC Bank Credit Card earns about 1.5% on general spends; BPCL SBI Octane Credit Card earns about 0.25%. Category and partner rates may differ — see the table above.

What is the forex markup on each card?

Tata Neu Infinity HDFC Bank Credit Card: 2%. BPCL SBI Octane Credit Card: 3.5% (plus 18% GST on the markup).

Do both cards include airport lounge access?

Tata Neu Infinity HDFC Bank Credit Card: yes — see the lounge row above for limits. BPCL SBI Octane Credit Card: yes — see the lounge row above for limits.

Card Comparison

Tata Neu Infinity HDFC vs BPCL SBI Octane

Tata Neu Infinity HDFC vs BPCL SBI Octanecompared side by side on fees, reward rates, caps, exclusions, and eligibility — weigh each against how you actually spend.

Tata Neu Infinity HDFC Bank

HDFC Bank

Fee₹1,499+GST

Eff. rate1.5%

CapCategory

Fee

₹1,499+GST

Eff. rate

1.5%

Cap

How they compare

Tata Neu Infinity HDFC and BPCL SBI Octane suit different spending patterns, so the right pick depends on where and how much you spend. The key difference: 1.5% effective rate vs 0.25%. Use the table below to weigh fees, reward rates, caps, and exclusions against your own usage.

At a glance

Tata Neu Infinity HDFC

Annual fee: ₹1,499 + GST
Everyday rate: 1.5%
Monthly cap: No cap

Notable strengths

Bonus rewards on Tata Neu (up to 5%)
No monthly reward cap

BPCL SBI Octane

Annual fee: ₹1,499 + GST
Everyday rate: 0.3%
Monthly cap: No cap

Notable strengths

Bonus rewards on BPCL (up to 6.3%)
No monthly reward cap

Each card's own strengths — not a ranking. Weigh them against where you actually spend.

47 specs · 13 sections

Tata Neu Infinity HDFC Bank

BPCL SBI Octane

Feature

Tata Neu Infinity HDFC Bank

BPCL SBI Octane

Annual Fee

₹1,499

Joining Fee

₹1,499

Fee Waiver Spend

₹3,00,000

₹2,00,000

Forex Markup

3.5%

Reward Type

NeuCoins

Reward Points

Base Rate

1.5%

0.25%

Online Rate

—

0.25%

Offline Rate

—

0.25%

Effective Base Rate

1.5%

0.25%

Point Value

₹1

₹0.25

Redemption Quality

HIGH

MEDIUM

Best Redemption

₹1

₹0.25

Worst Redemption

₹1

₹0.15

Bharat Gas

—

6.25%

Bpcl

—

6.25%

Tata Brands

—

Tata Neu

—

Grocery / Supermarkets

1.5%

2.5%

Fuel / Petrol / Diesel / CNG

0% (Excluded)

Restaurants / Dine-in

1.5%

2.5%

Flights, Hotels, OTAs, Tour Operators

1.5%

0.25%

Other Retail / Catch-all

1.5%

0.25%

Monthly Cap

Category caps apply

Est. Annual Cap

Category caps apply

Total Excluded

5 categories

3 categories

Government / Tax Payments

Excluded

Earns rewards

Online Gaming / Betting

Excluded

Earns rewards

Domestic Visits/Year

International Visits/Year

None

Priority Pass

Yes

Est. Annual Value

₹6,820

₹1,760

Forex Markup

3.5%

Description

1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance.

6,000 Bonus Reward Points worth ₹1,500 on payment of annual membership fee

Estimated Value

₹1,499

₹1,500

Fuel Surcharge Waiver

Yes

Best Suited For

Tata Ecosystem Shopping, Lifestyle Rewards

Fuel, Dining, Grocery, Movies

Min Income

₹1,00,000/month

₹25,000/month

Income Proof

Not required

Required

Secured FD

Accepting Applications

Yes

Network

Visa, RuPay

Card Tier

Gold

Still weighing your options?

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Frequently asked questions

What are the annual fees for Tata Neu Infinity HDFC Bank Credit Card and BPCL SBI Octane Credit Card?: Tata Neu Infinity HDFC Bank Credit Card has ₹1,499 + GST. BPCL SBI Octane Credit Card has ₹1,499 + GST. Fees are shown before 18% GST, which is added on the bill.
What base reward rate does each card earn?: Tata Neu Infinity HDFC Bank Credit Card earns about 1.5% on general spends; BPCL SBI Octane Credit Card earns about 0.25%. Category and partner rates may differ — see the table above.
What is the forex markup on each card?: Tata Neu Infinity HDFC Bank Credit Card: 2%. BPCL SBI Octane Credit Card: 3.5% (plus 18% GST on the markup).
Do both cards include airport lounge access?: Tata Neu Infinity HDFC Bank Credit Card: yes — see the lounge row above for limits. BPCL SBI Octane Credit Card: yes — see the lounge row above for limits.

Reviewed by WhichWise Editorial Team. Each card's data is verified against the issuer's official terms.

Sources: HDFC Bank - Tata Neu Infinity HDFC · SBI Card - BPCL SBI Octane