In-depth review
Tata Neu Infinity SBI Card
A NeuCoins co-brand that pays a genuine 5% across the Tata group and — unusually — earns 1.5% on RuPay UPI spends, all wrapped around a low 1.99% forex markup. If your shopping runs through Tata Neu, BigBasket, Croma and Westside it is a strong pick; outside the ecosystem it is only average.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,499 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
5% cashback at Tata Neu & Tata brands
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
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
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
Pay UPI QR codes from your credit line. What UPI payments earn can depend on the app you pay through, so check the rewards details.
💰 CASHBACK STRUCTURE
How much you earn back on each type of spend — no points math required.
5.0%
online shopping cashback
1.5%
Base rate (all other spends)
₹2,000
Monthly cap (accelerated)
- 5.0% cashback on online shopping
- 1.5% on all other spends — no restrictions
- Accelerated cashback capped at ₹2,000/month
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
Priority Pass
International lounges
₹8,000
Estimated annual value
1.99%
Forex markup
- Domestic + international airport lounge access (8 domestic visits/yr, worth ~₹8,000)
- Low forex markup: 2.0%
For regular Tata Neu, BigBasket, Croma and Westside shoppers, RuPay UPI users who want rewards on UPI, and occasional international spenders wanting a low forex markup.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026.
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shoppingonly at Tata Neu & Tata brands | 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 |
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. · Tata Neu & Tata brands
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
Groceries: 1.5% back as NeuCoins on grocery, capped at 2,000 NeuCoins a month. 1 NeuCoin = Re. 1
Utility Bills: 1.5% back as NeuCoins on utility transactions, capped at 2,000 NeuCoins a month. 1 NeuCoin = Re. 1
Insurance: 1.5% back as NeuCoins on insurance, capped at 2,000 NeuCoins a month. 1 NeuCoin = Re. 1
Earns nothing on: Fuel · Wallet Loads · Rent · Government & Tax · Education · Online Gaming · Cash Advances · EMI Conversions
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| 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 — ~₹9,200/yr in total.
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
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 everyday spends (1.5% back; 5% only at Tata Neu & Tata brands).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ 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
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.
Direct cash adjustment — no conversion
Real value is concentrated inside the Tata ecosystem — the 1.5% base is only average elsewhere and NeuCoins are best spent on Tata Neu.
Frequently asked questions
Does it charge extra for dynamic currency conversion?
What is a NeuCoin worth?
Does it earn on UPI spends?
What is the foreign-currency markup?
Do EMI purchases earn NeuCoins?
Do NeuCoins expire?
How does the NeuPass bonus work?
How has the Tata Neu Infinity SBI Card changed over time?
Has the Tata Neu Infinity SBI Card been devalued recently?
When did the Tata Neu Infinity SBI Card's fees last change?
How did the Tata Neu Infinity SBI Card change in 2025?
The bottom line
A well-built co-brand — a true 5% inside a large everyday retail group, a rare 1.5% on UPI, and a 1.99% forex markup well under the 3.5% industry standard that punches above its mid-tier price. Its value is entirely a function of how Tata-centric your spending is; heavy Tata shoppers should hold it, everyone else should think twice. Note it has an HDFC-issued twin, so pick the issuer you would rather deal with.
How this page was built
Counted from this card’s own record: 5 earn rules, 3 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 2 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
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 updated 11 Oct 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.
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Guides and reviews related to this card.
Tata Neu Infinity SBI Card
A NeuCoins co-brand that pays a genuine 5% across the Tata group and — unusually — earns 1.5% on RuPay UPI spends, all wrapped around a low 1.99% forex markup. If your shopping runs through Tata Neu, BigBasket, Croma and Westside it is a strong pick; outside the ecosystem it is only average.
Tata Neu Plus SBI Card
The low-fee entry into the Tata Neu ecosystem — ₹499, reversed at just ₹1 lakh of spend, 2% NeuCoins across Tata brands and 1% on everything else including RuPay UPI. A sensible starter for light Tata shoppers, but committed ecosystem users will earn far more on the Infinity variant.
Tata Card SELECT
A discontinued premium Tata co-brand from 2019 — 3X points on grocery, dining and international spends, up to 5X at Tata outlets, and spend-linked vouchers worth up to ₹6,000. Closed to new applicants and superseded by the Tata Neu SBI cards; documented here for reference only.
Tata NeuCoins & NeuPass: How India’s Tata Neu Rewards Ecosystem Actually Works (2026)
NeuCoins, NeuPass tiers, expiry and redemption are Tata Neu app features on India’s four Tata Neu credit cards — they work the same whether your card is issued by HDFC or SBI. This is the shared rulebook; only each card's own earn rate and fees differ.
Titan SBI Card
A lifestyle co-brand built around the Titan group — up to 7.5% cashback at World of Titan and the watch/eyewear brands, 5% at Mia/CaratLane/Zoya, 3% vouchers at Tanishq, plus 8 domestic and 4 international lounge visits. Superb if you buy jewellery, watches and eyewear from Titan; a modest 1.5% base if you don't.
Tata Card
A discontinued entry-level Tata co-brand from 2019 — a ₹499 card with 3X points on grocery, up to 5% value back at Tata outlets and a 1% fuel-surcharge waiver. Closed to new applicants and superseded by the Tata Neu Plus SBI Card; documented here for reference only.
Tata Neu Infinity HDFC Bank Credit Card
A high-earning co-brand that returns up to 10% in NeuCoins on Tata spends, plus 8+4 lounge visits, for a ₹1,499 fee waived at ₹3 lakh. Superb if you already shop BigBasket, Westside and Croma and fly Air India — near-worthless if you don't. The 2025–26 changes (UPI curbs, 12-month NeuCoin expiry) fence the rewards more tightly into Tata's rails. Buy it because you live in Tata, not to be lured in.
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 · last change Nov 2025
2025
- ▼ FeeEffective 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
- ▼ RedemptionEffective 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
- ◆ LaunchEffective 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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