Compare AU SPONT Credit Card and Tata Neu Infinity SBI Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.
Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.
Users who want straightforward RuPay/UPI cashback with low annual cost and can potentially use railway or spend-conditioned airport lounge access.
People already spending heavily across Tata Neu and Tata brands who can use NeuCoins.
littleden.blog · Comparison research sheet
Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare/au-spont-credit-card-vs-tata-neu-infinity-sbi-card/
General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.
Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Source review: September 11, 2026
Maintenance: Within the scheduled review window
2 attached sources. A review date is not a guarantee that terms have stayed unchanged.
Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.
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| Decision factor | AU SPONT Credit Card | Tata Neu Infinity SBI Card |
|---|---|---|
| Joining fee | ₹299 + applicable taxes under the current AU product page and Key Fact Statement. | ₹1,499 + applicable taxes under the current SBI Card MITC. |
| Annual fee | ₹299 + applicable taxes. | ₹1,499 + applicable taxes under the current SBI Card MITC. |
| Fee waiver | No spend-based annual-fee waiver is stated on the reviewed current SPONT product page or AU Key Fact Statement. | Renewal fee is waived on annual spends of ₹3 lakh or more in the preceding year. |
| Rewards | 1% cashback on eligible ecommerce, POS, contactless and UPI transactions, plus never-expiring coins on UPI transactions under reviewed terms | Reviewed SBI listing states 5% back as NeuCoins on eligible Tata Neu/Tata-brand non-EMI spends and 1.5% on eligible non-Tata/UPI spends for RuPay variant |
| Lounge | 2 railway lounge visits per calendar quarter; 2 domestic airport lounge visits per quarter after ₹50,000 calendar-quarter spend | 8 complimentary domestic lounge visits per year, capped at 2 per quarter, after ₹75,000 spend in the previous quarter on the reviewed SBI Card listing. |
| Forex markup | 3.49% cross-currency markup under AU’s 7 July 2026 Key Fact Statement. | 1.99% foreign-currency transaction fee under the current SBI Card MITC; DCC is also listed at 1.99% for qualifying INR-denominated international or overseas-registered-merchant transactions. |
| Network | RuPay / current variant as offered | RuPay / other available variant as offered |
| Eligibility / approval | Indicative primary-cardholder age: salaried 21–60, self-employed 25–65; resident Indian; approval remains at AU Small Finance Bank discretion | Subject to SBI Card approval |
These cautions remain attached to the underlying card records instead of being converted into a score.
These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.
Each side keeps its own review date, source set and evidence state.
Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more
Open primary issuer source ↗These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.
Reviewed September 11, 2026 · 2 attached first-party sources
Reviewed September 11, 2026 · 2 attached first-party sources