Synopsis: The Tata Neu Infinity SBI Credit Card is a steal for those who want return and big savings on groceries, fashion, and travel transactions. This card comes with its own unique reward structure which is currently very competitive in the market. Read our detailed review on fees, lounge access, and UPI benefits.
The Tata ecosystem has been gradually growing over the years. Be it fashion, groceries, or travel it has been taking part in most of the market offerings. Amidst this the emergence of Tata Neu Infinity SBI Credit Card has brought a unique way of saving for the users.
The Tata Neu Infinity card simplifies the cashback experience while also providing comfortable travel perks like international lounge access. Read below to learn all the important details, fees, and benefits that come along with it.
Tata neu infinity SBI credit card
- Joining Fees: ₹1,499+ taxes
- Annual Fees: ₹1,499+ taxes (from 2nd year onwards)
- Annual Fee Waiver: Waivable on a spend of ₹3 Lakh or more in the preceding year.
- Card Type: Cashback
- Best Suited for: Shoppers of Tata brands and travelers.
Important Fees & Charges at a Glance
| Fee Type | Charges |
| Interest Rate (APR) | 3.75% per month (45% per annum) |
| Late Payment Fee | ₹0 (for balance < ₹500) up to ₹1,300 (for balance > ₹50,000) |
| Cash Withdrawal Fee | 2.5% of transaction amount or ₹500 (whichever is higher) |
| Foreign Currency Markup | 1.99% |
Welcome Benefits
Upon payment of the joining fee and completion of your first transaction within 30 days of card issuance, you receive 1,499 NeuCoins. Since 1 NeuCoin = ₹1, this effectively makes the card free for the first year.
Reward Structure
- 5% NeuCoins reward on non-EMI spends at the Tata Neu app or website and partner Tata brands
- 5% NeuCoins If you are a NeuPass member and shop over the Tata Neu app
- 1.5% NeuCoins: On all other spends, including UPI transactions (if you opt for the RuPay variant).
For instance, a supposed spending of ₹20,000 in a month shall earn a reward of:
- ₹10,000 on BigBasket/Croma (via App) – 5% (500) + 5% NeuPass (500) = 1,000 NeuCoins.
- ₹5,000 on Local UPI Spends – 1.5% = 75 NeuCoins.
- ₹5,000 on Other Online Shopping – 1.5% = 75 NeuCoins.
Total reward: 1,150 NeuCoins (₹1,150 value).
Also Read: CRED IndusInd Bank RuPay Card: Is This the Best Credit Card for Reward Points in 2026?
Benefits:
- 8 complimentary domestic airport lounge access per year (subject to spend sum of ₹75,000 in the previous calendar quarter)
- 4 international lounge access per year
- 1.99% forex markup
Who Should Get This Card?
- Tata Loyalists: If your monthly groceries, medicines, and lifestyle shopping happen via BigBasket, 1mg, and Westside.
- UPI Users: The RuPay variant allows you to earn 1.5% back as Neucoins on UPI, which is higher than most other UPI credit cards.
- Travelers: The combination of domestic and international lounge access with a low forex fee is rare at this price point.
Conclusion
The Tata Neu Infinity SBI Credit Card is one of the most rewarding co-branded cards in India today. The quarterly spend requirement for domestic lounge access is a bummer, however, the potential value back on Tata brands and the 1.5% base rate on UPI makes it a great choice for daily expenses.
FAQs
A. No. It is not possible to pay your card bill with NeuCoins.
A. Yes. The rewarded NeuCoins typically have a validity of 12 months from when they are credited.
A. Yes, and those transactions are eligible for 1.5% NeuCoins.
A. No. Transactions on fuel, rent, and wallet reloads do not earn any NeuCoins.
Written by Kenbi Riba
