Shopping rewards
Tata Neu Plus SBI Credit Card
The cheaper Tata Neu card from SBI: 2% NeuCoins at Tata brands, 1% on other spends and UPI, and a lounge visit each quarter if you spend enough.
Joining fee₹499 + GST
Annual fee₹499 + GST
Fee waiverOn ₹1 lakh spend a year
Top reward2% at Tata brands
Lounge1 domestic a quarter (spend-based)
Forex markup3.5%
Best for: People who shop at BigBasket, Croma or Tata CLiQ and spend under ₹25,000 a month.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Tata Neu and partner Tata brands | 2% as NeuCoins | – |
| Other spends, including UPI | 1% as NeuCoins | UPI: 500 NeuCoins a cycle |
| Groceries, utility bills, insurance | 1% | 1,000 to 2,000 NeuCoins a month |
| Fuel, wallet loads, rent, government, education, gaming, EMI | Nothing | – |
- 1 NeuCoin = ₹1 inside Tata Neu; NeuCoins expire after 12 months.
Benefits
Welcome benefit
- 499 NeuCoins after your first spends.
Milestones
- Annual fee waived on ₹1 lakh spend.
Travel and lounges
- 1 domestic lounge visit a quarter with ₹50,000 spend in the previous quarter.
Fuel and forex
- 1% fuel surcharge waiver on ₹500 to ₹4,000, up to ₹250 a cycle.
- Forex markup 3.5%.
Other perks
- RuPay card works on UPI
Fees and charges
| Joining fee | ₹499 + GST (₹589) |
|---|---|
| Annual fee | ₹499 + GST, waived on ₹1 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Low fee and easy waiver
- 1% on UPI
- NeuCoins worth ₹1 at Tata brands
Watch out for
- NeuCoins only work in Tata Neu
- Lower rates than Infinity
- High forex markup
Recent changes
- 1 Nov 20251% fees on education payments and wallet loads over ₹1,000.
- 1 Aug 2025NeuCoins now expire after 12 months.
Frequently asked questions
Plus or Infinity?
Infinity costs ₹1,499 and earns 5% at Tata brands and 1.5% elsewhere. Plus costs ₹499 and earns 2% and 1%. Infinity is better above about ₹20,000 a month of spending.
Ready to apply for the Tata Neu Plus SBI Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 23 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.