Tata Neu Infinity SBI Card
The Tata Neu Infinity SBI Card is a NeuCoins co-brand with a ₹1,499 fee reversed at ₹3 lakh of annual spend. It pays 5% back as NeuCoins on non-EMI spends at Tata Neu and partner Tata brands (BigBasket, Croma, Westside, Tata 1mg, Air India, Taj) and 1.5% on everything else, including UPI transactions on this RuPay variant, plus an additional up to 5% via NeuPass on select Tata Neu categories. Several categories carry their own monthly NeuCoin ceilings — grocery, insurance, utilities and telecom at 2,000 each, UPI at 500 — and fuel, wallet loads, rent, government, education, gaming, cash advances and EMI earn nothing at all. A NeuCoin is worth ₹1 within the Tata ecosystem, and a 1,499-NeuCoin welcome benefit neutralises the first-year fee. SBI's terms exclude Merchant EMI and Flexipay from earning, unlike the HDFC Tata Neu cards. It carries an unusually low 1.99% forex markup, 8 domestic lounge visits (2 per quarter, on ₹75,000 previous-quarter spend) and 4 international visits via Priority Pass — though SBI's published Tata Neu domestic lounge list contains no metro airport at all.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,499 in vouchers, points or cashback on card activation
5% on Online Shopping
5% back as NeuCoins on non-EMI spends at Tata Neu App/Website and partner Tata brands, plus an additional up to 5% via NeuPass on select Tata Neu categories. Merchant EMI/Flexipay excluded.
1.5% on Other
1.5% back as NeuCoins on other spends, including UPI transactions on the RuPay variant — UPI earning is capped at 500 NeuCoins a month. Telecom and cable spends are capped at 2,000 a month. 1 NeuCoin = Re. 1
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹1,499 + 18% GST (₹1,769 all-in)/yr fully waived when you spend ₹3,00,000/year
UPI Linked
Link to PhonePe, GPay or Paytm and earn credit card rewards on UPI payments
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | cashback | 5% | — |
| Other | cashback | 1.5% | — |
| Groceries | cashback | 1.5% | ₹2,000 |
| Utility Bills | cashback | 1.5% | ₹2,000 |
| Insurance | cashback | 1.5% | ₹2,000 |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,769 |
| Joining fee (incl. 18% GST) | ₹1,769 |
| Forex markup | 1.99% |
Perks & benefits
Estimated annual value beyond rewards — ~₹7,200/yr in total.
️ lounge access ~ ₹6,000 /yr
8 domestic visits/year (2 a quarter, on Rs. 75,000 spend the previous quarter) + 4 international via Priority Pass ($99, 2 years). SBI's Tata Neu lounge list, from 10 Apr 2026, has no metro airport; visits past the quota cost USD 27 + tax
fuel waiver ~ ₹1,200 /yr
1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, capped at Rs. 500 per statement cycle.
Should you get it?
Best for: Regular Tata Neu, BigBasket and Croma shoppers, RuPay UPI users who want rewards on UPI, Occasional international spenders wanting a low forex markup
Mid tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Online Shopping ( 5% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- 5% back as NeuCoins across Tata Neu and partner Tata brands (BigBasket, Croma, Westside, Air India, Taj and more)
- Low 1.99% foreign-currency markup — well under the 3.5% most cards charge, though a handful of premium cards now charge nothing at all
- RuPay UPI linkage earns 1.5% NeuCoins even on UPI transactions, unusual for a rewards card
- 8 domestic plus 4 international lounge visits a year via Priority Pass
✕ Cons
- Real value is concentrated inside the Tata ecosystem; 1.5% base is only average elsewhere
- Merchant EMI and Flexipay earn no NeuCoins on SBI (the HDFC Tata Neu cards pay the base rate on merchant EMI)
- Grocery, insurance, utilities and telecom each cap at 2,000 NeuCoins a month, and UPI at 500
- Fuel, wallet loads, rent, government, education, gaming, cash advances and EMI earn nothing
- Lounge access is conditional on Rs. 75,000 spend in the previous quarter, and SBI's published Tata Neu lounge list contains no metro airport
- Annual fee reversal needs Rs. 3 lakh of spend
Eligibility & documents
Min. income
₹30,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / address proof
- Income proof (salary slips or ITR)
- Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
🎁 NeuCoins auto-credit to the NeuPass account within 7 working days of the monthly statement
🎁 Redeem NeuCoins at 1 NeuCoin = Re. 1 via Tata Pay at Tata Neu, Air India Express, BigBasket, Croma and IHCL hotels
🎁 Loyalty redemption at Tata CLiQ and Tata 1mg; Titan and Tanishq only through Tata Neu
🎁 At the point of sale in Croma, IHCL hotels and Westside stores
🎁 No statement credit, no cash and no transfer partners
What your Cashback are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit Direct cash adjustment — no conversion
The concern Real value is concentrated inside the Tata ecosystem — the 1.5% base is only average elsewhere and NeuCoins are best spent on Tata Neu.
The bottom line
This co-branded card offers compelling value for dedicated Tata shoppers, combining a strong 5% return within the conglomerate's ecosystem, an above-average 1.5% rate on UPI spends, and a low 1.99% forex markup that easily beats the standard 3.5% market rate. Its overall worth is tied directly to how frequently you transact with Tata brands; regular patrons will find substantial value, while occasional shoppers may prefer more flexible cashback alternatives. Because an equivalent version is issued by HDFC Bank, prospective cardholders can select based on their preferred banking ecosystem.
Sources & verification
Fees, reward rates, and benefits for the Tata Neu Infinity SBI Card are taken from SBI Card 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · 3 changes · last change Nov 2025
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2025 3 changes — 2 cuts, 1 neutral
▼ Fee Effective 1 Nov 2025
Portfolio fee revision (education and wallet-load fees added)
SBI Card's portfolio-wide fee revision added a 1% fee on education payments made through third-party apps and a 1% fee on every wallet load above Rs.1,000, alongside higher cash-payment, cheque-dishonour and cash-withdrawal charges. The MITC also carries a 1% Utility Payments Fee where utility spend exceeds Rs.50,000 in a billing cycle (from 1 Dec 2024) and a Rs.199 processing fee on every rent-payment transaction. Recorded here 2026-08-06; the change applied portfolio-wide but had only been carried on a single card file.
Verification: SBI Card ↗ · Confidence: High
▼ Redemption Effective 1 Aug 2025
NeuCoins given a 12-month expiry
No fixed expiry (effectively indefinite) → 12 months from end of credit month
From 1 Aug 2025, Tata Digital applied a fixed validity to NeuCoins at the NeuPass account level: NeuCoins credited on or after that date expire 12 months from the end of the month they are credited, and pre-existing non-promotional balances were set to expire 31 Jul 2026. Because NeuCoins pool in the shared Tata Neu account regardless of which card earned them, this platform-wide change also governs NeuCoins earned on the Tata Neu Infinity SBI Card, ending indefinite hoarding.
Verification: CardAdvisor Research · Confidence: Reconstructed
◆ Launch Effective 16 Apr 2025
Tata Neu Infinity SBI Card launched
SBI Card and Tata Digital launched the co-branded Tata Neu SBI Card (Infinity and Plus variants). The Infinity earns 5% NeuCoins on Tata brands (BigBasket, Croma, Tata CLiQ, Air India, Taj, Westside, Tata 1mg) plus up to 5% extra on Tata Neu, and 1.5% on all other spends including UPI on the RuPay variant (1 NeuCoin = Re. 1). Joining/annual fee Rs. 1,499 reversed at Rs. 3 lakh annual spend; 1,499-NeuCoin welcome benefit; 1.99% forex markup; 8 domestic and 4 international lounge visits.
Verification: SBI Card ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Quick summary
Type Mid credit card
Reward rate 1.5%–5%
Best for Regular Tata Neu, BigBasket and Croma shoppers
Joining fee ₹1,499
Annual fee ₹1,499
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 5 Aug 2026
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