Tata Neu Infinity SBI Card
SBI Card · Open to apply
SBI Card and Tata Digital's premium co-brand card. It pays 5% in NeuCoins at Tata Neu and partner Tata brands (Croma, BigBasket, Tata CLiQ, Westside, Air India, Taj and others), 1.5% on other spends including UPI on the RuPay variant, and a NeuCoin is worth ₹1 at Tata Neu partners. Fee ₹1,499, waived at ₹3 lakh a year, 1.99% forex markup, 8 domestic and 4 Priority Pass lounge visits a year.
- Annual fee
- ₹1,499 + GST a year
- Joining fee
- ₹1,499 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 spend per card year
- Base rate
- 1.5% in NeuCoins on other spends: 1.5 NeuCoins per ₹100 (about 1.5% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹75,000 spend; International: 1 visit a calendar quarter
- Forex markup
- 1.99%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5% in NeuCoins on Tata Neu and partner Tata brands: 5 NeuCoins per ₹100 (about 5% at cash value)
Earns nothing on
- No NeuCoins on fuel (MCCs 5172, 5541, 5542, 5983)
- No NeuCoins on wallet loads (MCCs 6540, 6541)
- No NeuCoins on gift or prepaid card loads and voucher purchases
- No NeuCoins on rent or government-related payments (MCCs 6513, 9399, 9311)
- No NeuCoins on education payments
- No NeuCoins on gaming (MCCs 5816, 7993, 7994)
- No NeuCoins on cash advances
- No NeuCoins on Flexipay or transactions converted to EMI
Where the sources disagree
- Cap categories: The monthly caps in clause 11.4(i) (grocery 2,000; insurance, utilities, telecom and cable 2,000) are worded as limits on "accelerated categories as defined in section 11.3", which lists brands, not these categories. We read them as caps on the 1.5% rate for those categories. The product page states no caps.
Terms the calculator does not value
- Tata Neu's NeuPass offers "extra value back as NeuCoins, up to 5% on select category spends at the Tata Neu App/Website" (product page and T&C 11.3(c), details on tataneu.com). The 5% is a Tata Neu offer and its categories and conditions are not in SBI's documents, so it is not entered.
- NeuCoins are worth ₹1 only when spent at Tata Neu partners (not for cash or against card charges), so the valuation assumes the cardholder shops there.
- NeuCoins accrue per SBI Card's monthly-reviewed merchant ID list; a partner brand missing from it earns the 1.5% rate, and NeuCoins due are withheld while the partner has not supplied correct IDs.
Sources
- Tata Neu Infinity SBI Card product-page data file (fees, rewards, lounge, fuel surcharge waiver) (Product page, the bank's own, read 6 Nov 2026)
- Tata Neu Infinity SBI Credit Card Terms and Conditions booklet (PDF created 22 Jul 2026, modified 15 Sep 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions, common MITC (index date 2026-09-14) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Domestic Lounge List, Tata Neu SBI Cards (10 Apr 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Important Notices page (no notice for this card found) (Bank notice, the bank's own, read 6 Nov 2026)