Shopping rewards
Tata Neu Infinity SBI Credit Card
SBI’s version of the Tata Neu card: 5% back as NeuCoins at Tata brands, 1.5% on other spends and UPI, and a low 1.99% forex markup.
Joining fee₹1,499 + GST
Annual fee₹1,499 + GST
Fee waiverOn ₹3 lakh spend a year
Top reward5% at Tata brands
Lounge8 domestic (spend-based) + 4 international
Forex markup1.99%
Best for: SBI customers who shop on BigBasket, Croma and Tata CLiQ and travel abroad sometimes.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Tata Neu and partner Tata brands | 5% as NeuCoins | – |
| Other spends, including UPI | 1.5% as NeuCoins | UPI: 500 NeuCoins a month |
| Groceries, utility bills, insurance | 1.5% | 2,000 NeuCoins a month each |
| Fuel, wallet loads, rent, government, education, gaming, EMI | Nothing | – |
- 1 NeuCoin = ₹1, usable only within Tata Neu.
- NeuPass can add up to 5% more on some Tata Neu categories.
Benefits
Welcome benefit
- About 1,499 NeuCoins after first spends.
Milestones
- Annual fee waived on ₹3 lakh spend.
Travel and lounges
- 2 domestic lounge visits a quarter with ₹75,000 spend in the previous quarter.
- 4 international visits with Priority Pass.
Fuel and forex
- Forex markup 1.99%.
- 1% fuel surcharge waiver on ₹500 to ₹4,000, up to ₹500 a cycle.
Other perks
- RuPay card works on UPI
Fees and charges
| Joining fee | ₹1,499 + GST (₹1,769) |
|---|---|
| Annual fee | ₹1,499 + GST, waived on ₹3 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 1.99% |
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
- 5% at Tata brands
- 1.5% on UPI
- Low forex markup
Watch out for
- NeuCoins only work in Tata Neu
- Domestic lounges need ₹75,000 a quarter
- UPI rewards capped
Recent changes
- 1 Nov 20251% fees on third-party education payments and wallet loads over ₹1,000.
- 16 Apr 2025Card launched.
Frequently asked questions
HDFC or SBI Tata Neu card?
Earn rates are the same. SBI has a lower forex markup (1.99% vs 2%) but a stricter lounge rule (₹75,000 a quarter vs ₹50,000).
Ready to apply for the Tata Neu Infinity SBI Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.