Tata Neu Infinity SBI Card vs Apollo SBI Card SELECT — which is better for movie tickets?
Upendra Joshi
Asked 31 May 2026
I'm stuck between Tata Neu Infinity SBI Card and Apollo SBI Card SELECT. Both seem good on paper. Which one is actually better for someone whose main spend is EMI purchases?
3 Answers
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
I've held this card for 3 years. Quick reality check: the welcome benefit is good, the first-year fee waiver is easy, but from year 2 onwards you really have to work for the milestone benefits. Don't keep it if your monthly spend drops below the milestone threshold.
I had the same dilemma. The way I decided was: list down my top 3 monthly spend categories, calculate the rewards on each card, and pick whichever gives the highest cashback on MY pattern. Generic 'best card' lists are useless for personal decisions.
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