SBI
Tata Neu Infinity SBI Card
This is an invite only card
Apply and get ₹1400 Rewards
Top Benefits
Get 1,499 NeuCoins As Welcome Benefit
credited within 15 days of joining-fee realization to your NeuPass account
Earn 5% Value Back as NeuCoins on Tata Neu App, Website, and Partner Brands
on spends at Croma, Westside, Titan, Tanishq, and Tata Cliq
Best For
Shopping
Online Food Ordering
Grocery Shopping
Travel
UPI
The Tata Neu Infinity SBI Card is a premium co-branded credit card built specifically for loyal custo...
Read More
Read Less
The Tata Neu Infinity SBI Card is a premium co-branded credit card built specifically for loyal custo...
The Tata Neu Infinity SBI Card is a premium co-branded credit card built specifically for loyal customers of the Tata ecosystem and heavy UPI users. Issued on the RuPay network, this card allows you to link it directly to your favorite UPI apps to make everyday payments straightforward and highly rewarding. The standout feature is a massive 5% value back as NeuCoins on purchases made through the Tata Neu App and partner brands, making it an incredibly lucrative tool for shopping, groceries, and travel within the Tata network.
Most standard rewards cards offer limited returns on UPI transactions, but this card breaks that pattern by offering a solid 1.5% value back on regular UPI spends. This makes it an ideal primary card for young professionals, families, and digital-first shoppers who want to earn high rewards without navigating complicated reward tier systems. Whether you are ordering food, booking an Air India flight, or just paying the local grocery store via a QR code, you accumulate value effortlessly.
View FAQ
Commonly Asked Questions
Is the Tata Neu Infinity SBI Card lifetime free?
No, this card carries a joining and annual fee of Rs. 1,499. However, the joining fee is effectively offset by a welcome bonus of 1,499 NeuCoins, and you can get the annual fee waived by spending Rs. 3 lakh in the previous year.
Is this a good credit card for daily use?
Yes, because it operates on the RuPay network, you can link it to UPI apps. This allows you to earn 1.5% value back on small daily transactions at local merchants, a feature missing from most conventional Visa or Mastercard options.
Who should apply for this card?
This card works best for individuals who frequently shop with Tata brands like BigBasket, Croma, 1mg, or Westside, and those who want to earn cashback on their everyday UPI payments.
Can I use this card on Google Pay or PhonePe?
Yes, as a RuPay credit card, you can link it to any major UPI application like Google Pay, PhonePe, or Paytm to scan and pay at merchant QR codes.
Expert Review
The Tata Neu Infinity SBI Card is, without a doubt, one of the most compelling co-branded credit cards currently available in the Indian market. As an expert, I appreciate how seamlessly it merges the RuPay network with a highly rewarding ecosystem. Earning 1.5% value back on simple UPI payments at the local vegetable vendor is a game-changer, especially since most premium Visa cards offer absolutely nothing for QR code payments.
If your household relies on BigBasket for groceries or Croma for appliances, the flat 5% return (equivalent to 1 NeuCoin = Rs. 1) generates incredible savings that easily cover the Rs. 1,499 annual fee, even without hitting the Rs. 3 lakh fee waiver milestone.
However, the card is not flawless. My primary criticism lies in the restrictive condition attached to the domestic lounge access. Demanding a Rs. 75,000 spend in the previous quarter just to unlock lounge access is steep when compared to cards like the Flipkart Axis or Amazon Pay ICICI, which have zero annual fees or lower barriers. Furthermore, you cannot convert NeuCoins into pure statement cashback, which locks you into spending rewards exclusively with Tata brands.
Ultimately, if you are a frequent UPI user who shops actively within the Tata ecosystem, this card is a mandatory addition to your wallet. If you want pure liquid cash or unconditional travel perks, you should look elsewhere.
Joining / Annual Fee
Joining Fees
₹1,769 ( ₹1499 + GST )
Annual Fees
₹1,769 ( ₹1499 + GST )
Understanding the cost of holding a credit card is just as important as knowing its benefits. The Tat...
Read MoreRead Less
Understanding the cost of holding a credit card is just as important as knowing its benefits. The Tat...
Understanding the cost of holding a credit card is just as important as knowing its benefits. The Tata Neu Infinity SBI Card follows a straightforward fee structure that rewards active users by offsetting costs through bonuses and waivers.
When you first get the card, you are charged a one-time joining fee of Rs. 1,499 (plus applicable GST). However, the bank softens this blow by offering 1,499 NeuCoins as a welcome benefit within 15 days of realizing your fee payment. Since these NeuCoins carry a cash value of Rs. 1,499 across the Tata ecosystem, your effective joining cost becomes zero. You only truly end up paying the GST amount out of pocket.
From the second year onward, the card charges an annual renewal fee of Rs. 1,499 (plus GST). To avoid this fee, the bank provides a spend-based waiver condition. The annual fee is entirely reversed if your total card spends reach Rs. 3 lakh in the previous card anniversary year. For example, to hit this Rs. 3 lakh target, you need to spend an average of Rs. 25,000 per month. If you route all your groceries, utility bills, UPI payments, and online shopping through this card, crossing the Rs. 25,000 monthly mark is quite achievable for a typical household.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 1,499 plus 18% GST, billed in your first credit card statement.
Is there a welcome bonus to offset the joining fee?
Yes, once you pay the joining fee, you receive 1,499 NeuCoins. Since each NeuCoin is worth Rs. 1, this fully offsets the base joining fee amount.
What is the annual or renewal fee?
From the second year onwards, an annual maintenance fee of Rs. 1,499 plus taxes is applied to your account.
From when is the annual fee charged?
The annual fee is charged 12 months after your card is issued, aligning with your card anniversary date.
Is there an annual fee waiver option?
Yes, the annual fee of Rs. 1,499 is reversed if you successfully spend Rs. 3 lakh or more during the preceding 12 months.
What is the monthly spending requirement for the annual fee waiver?
To reach the Rs. 3 lakh annual target, you need to spend Rs. 25,000 every month on the card.
Do UPI transactions count toward the annual fee waiver?
Yes, all eligible retail spends, including your regular UPI merchant payments, count toward the Rs. 3 lakh milestone.
How can I get this card lifetime free?
Lifetime free offers are available during major shopping festivals like Diwali or as part of corporate employee packages for select partner organizations.
What happens if I spend Rs. 2.9 lakh in a year?
If you fall short of the Rs. 3 lakh milestone even by a small margin, the full annual fee of Rs. 1,499 plus GST will be charged to your account.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Getting approved for the Tata Neu Infinity SBI Card requires meeting specific age, income, and credit...
Read MoreRead Less
Getting approved for the Tata Neu Infinity SBI Card requires meeting specific age, income, and credit...
Getting approved for the Tata Neu Infinity SBI Card requires meeting specific age, income, and credit score benchmarks set by the bank. Both salaried professionals and self-employed individuals are welcome to apply, provided they fit the demographic requirements.
First, the applicant must be between 21 and 60 years of age at the time of application. This applies equally to both salaried employees and self-employed business owners. Second, the bank requires a strong credit history, specifying a minimum CRIF score of 720. A good credit score proves to the bank that you have a reliable history of managing debt.
For income requirements, salaried applicants must demonstrate a minimum monthly income of Rs. 25,000. In annual terms, this translates to an income requirement of Rs. 3,00,000. For self-employed applicants, the requirement is identical: you must provide a minimum annual Income Tax Return (ITR) of Rs. 3,00,000. For example, if you run a small consulting business and your latest filed ITR shows a net income of Rs. 4.5 lakh, you comfortably meet the financial threshold for this premium card.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary cardholder must be at least 21 years old at the time of submitting the application.
What is the maximum age limit for the primary cardholder?
The maximum eligible age is 60 years. Applicants above 60 years of age will be declined based on standard bank policy.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum monthly income of Rs. 25,000. This equals an annual requirement of Rs. 3 lakh.
What is the minimum annual income for self-employed applicants?
Self-employed professionals and business owners must provide an annual ITR of at least Rs. 3,00,000 to qualify.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed employment types are fully supported and eligible for this credit card.
What credit score (CIBIL/CRIF) is needed for approval?
You need a minimum CRIF credit score of 720 to pass the initial credit checks for this card.
Will my application be rejected if my credit score is 700?
A score of 700 is below the recommended 720 threshold and will result in a rejection unless you have a high-value existing banking relationship with SBI to offset the risk.
Can NRIs (Non-Resident Indians) apply for this card?
NRIs can apply for this card by providing their NRE/NRO account details and proof of a minimum annual income of Rs. 5,00,000.
Can I get this card without any income proof?
If you have an existing relationship with the bank, you can receive a pre-approved offer without income proof. Otherwise, salary slips or ITR documents are mandatory.
All Card Benefits
- 5% Value Back as NeuCoins on spends via Tata Neu App/Website and partner Tata brands.
- 1.5% Value Back as NeuCoins on all other spends including UPI transactions on the RuPay variant.
- 8 domestic and 4 international airport lounge visits per year via Priority Pass.
- 1 NeuCoin = ₹1 value, redeemable across Tata Neu platform and partner brands.
- Monthly NeuCoins cap of 2,000 each on Grocery, Insurance, Utility, and Telecom categories; UPI capped at 500 NeuCoins per month.
Welcome Benefits
Starting your journey with the Tata Neu Infinity SBI Card is instantly rewarding....
Read MoreRead Less
Welcome Benefits Starting your journey with the Tata Neu Infinity SBI Card is instantly rewarding....
Welcome Benefits
Starting your journey with the Tata Neu Infinity SBI Card is instantly rewarding. When you pay the initial joining fee of Rs. 1,499 plus taxes, the bank credits your account with a welcome bonus that matches the fee amount. You receive 1,499 NeuCoins directly into your Tata Neu account within 15 days of the bank realizing your joining fee payment.
Since one NeuCoin holds a strict value of Rs. 1, this welcome bonus is worth exactly Rs. 1,499. For example, if you pay the joining fee in your first billing cycle, you can immediately use those 1,499 NeuCoins to get a flat Rs. 1,499 discount on your next grocery order through BigBasket on the Tata Neu app. This effectively brings your first-year cost down to zero, excluding the GST portion of the fee.
Cashback and Reward Points Structure
The reward engine on this card is designed to maximize savings for loyal Tata customers. You earn a massive 5% value back as NeuCoins on all spends made via the Tata Neu App, website, and partner Tata brands. The bank also offers accelerated NeuCoins on select Tata partner brands based on periodic promotions. For all other regular spends, including UPI transactions, you earn a flat 1.5% value back.
To understand the math, let us look at a practical example. If you buy a new smartphone for Rs. 40,000 through Croma on the Tata Neu app, you earn 5% back, which is 2,000 NeuCoins (Rs. 2,000 saved). If you spend Rs. 10,000 via UPI at a local restaurant, you earn 1.5% back, which is 150 NeuCoins (Rs. 150 saved). However, note that UPI earnings are capped at 500 NeuCoins per month. This means you will earn 1.5% on UPI spends up to Rs. 33,333 in a month; anything beyond that via UPI will not earn further NeuCoins in that specific cycle.
Additionally, the card places a monthly cap of 2,000 NeuCoins each on Grocery, Insurance, Utility, and Telecom categories. For example, if you buy groceries worth Rs. 50,000 in a month on BigBasket, you would normally expect 2,500 NeuCoins at 5%, but you will only receive 2,000 due to the category cap.
Flight and Travel Benefits
Frequent flyers stand to gain significantly from the travel perks associated with this card. You earn a flat 5% value back as NeuCoins when you book flights with Air India and Air India Express exclusively through the Tata Neu App or website.
For example, if you book round-trip tickets for your family on Air India costing Rs. 60,000 via the Tata Neu app, you instantly accumulate 3,000 NeuCoins. That is Rs. 3,000 you can use toward your hotel booking, airport transfers, or even a future flight. Please note that this card does not offer specific railway, cab, or bus booking benefits outside of the standard base reward rate.
Airport Lounge Access
This card offers excellent airport lounge privileges for both domestic and international travelers. You get 8 complimentary domestic airport lounge visits per year, restricted to a maximum of 2 visits per quarter. This is a spend-based benefit. You must spend Rs. 75,000 in the previous calendar quarter to activate your lounge access for the current quarter.
For international travel, the card provides 4 complimentary international lounge visits per year (capped at 1 per quarter) via the Priority Pass network. For example, if you spend Rs. 80,000 between January and March, you become eligible for your 2 free domestic lounge visits between April and June. The international visits via Priority Pass are currently available regardless of quarterly spend, providing instant access upon card activation.
Fuel Surcharge Waiver
To help reduce your commuting expenses, this card includes a standard 1% fuel surcharge waiver. This waiver is valid on fuel transactions ranging between Rs. 500 and Rs. 4,000 at any petrol pump across India. The maximum waiver you can receive is capped at Rs. 500 per statement cycle.
For example, if you fill up petrol worth Rs. 3,000, the pump usually adds a 1% surcharge of Rs. 30. This card will reverse that Rs. 30 charge. To hit the Rs. 500 monthly maximum limit, you would need to spend Rs. 50,000 on fuel in a single month, which is more than enough for regular drivers.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You qualify for the 1,499 NeuCoins welcome benefit automatically once you pay your first statement bill that includes the Rs. 1,499 joining fee.
When will I receive the welcome benefit after card activation?
The 1,499 NeuCoins will be credited to your linked Tata Neu account within 15 days of the joining fee realization.
What is the exact value of the welcome benefit?
Because each NeuCoin equals Rs. 1, your welcome benefit of 1,499 NeuCoins is worth exactly Rs. 1,499 in purchasing power.
Do I get the welcome bonus if my joining fee is waived?
If you receive the card under a special promotional offer where the joining fee is completely waived, you will not receive the 1,499 NeuCoins welcome bonus as the benefit is tied directly to the fee payment.
Can I transfer my welcome NeuCoins to my bank account?
No, NeuCoins cannot be converted into direct bank cash. You must redeem them for purchases across the Tata Neu platform and its partner brands.
What is the highest reward rate on this card?
You earn a 5% reward rate on purchases made through the Tata Neu app, website, and participating Tata partner brands.
How much do I earn on regular offline shopping?
For standard non-Tata transactions, including offline shopping and regular online purchases, you earn 1.5% value back in NeuCoins. Spending Rs. 5,000 offline gives you 75 NeuCoins.
How many reward points do I earn per Rs. 100 spent?
You earn 5 NeuCoins per Rs. 100 spent on Tata brands, and 1.5 NeuCoins per Rs. 100 spent on other eligible categories.
Is there a limit to how much I can earn via UPI?
Yes, UPI transactions earn 1.5% value back, but this is capped at 500 NeuCoins per month. You reach this cap when you spend Rs. 33,333 via UPI in a billing cycle.
Do I earn points on grocery spending?
Yes, but grocery spending is capped at 2,000 NeuCoins per month. If you shop at a Tata brand, you hit this cap after spending Rs. 40,000 on groceries in a month.
Are utility bills capped for rewards?
While basic utility payments might be excluded on general platforms, paying eligible utilities through accepted channels is capped at a maximum earning of 2,000 NeuCoins per month.
Do I earn points on rent payments?
No, rent payments are strictly excluded from earning any NeuCoins and also attract a separate processing fee.
What is the value of 1 NeuCoin in rupees?
The redemption ratio is extremely simple: 1 NeuCoin equals exactly Rs. 1.
Are there any bonus reward points for annual spending milestones?
This specific card focuses on daily transaction value; however, you can earn additional rewards during festive season spending challenges which typically offer 1,000 to 5,000 bonus NeuCoins.
Which transactions do not earn any NeuCoins?
You will not earn rewards on fuel, wallet loads, rent payments, cash withdrawals, EMI transactions, and bank fees.
How do I get the 5% back on flights?
You must book your Air India or Air India Express tickets directly through the Tata Neu application or website to trigger the 5% value back.
Do I get 5% back on IndiGo or Vistara?
No, the accelerated 5% rate applies specifically to Air India and Air India Express bookings made via the Tata Neu platform. Other airlines will earn the standard 1.5% rate.
Does the card offer free railway lounge access?
No, the Tata Neu Infinity SBI Card does not provide any complimentary railway lounge access benefits.
Do I get discounts on Uber or Ola?
This card does not feature dedicated cab benefits. You will earn the standard 1.5% back on your ride payments.
Can I redeem NeuCoins for flight tickets?
Yes, you can use your accumulated NeuCoins to pay for flight bookings directly on the Tata Neu platform.
How many domestic lounge visits do I get?
You receive up to 8 complimentary domestic lounge visits annually, capped at 2 visits per calendar quarter.
Is the domestic lounge access unconditional?
No, you must spend a minimum of Rs. 75,000 on your card in the previous calendar quarter to unlock the 2 lounge visits for the following quarter.
What happens if I spend only Rs. 50,000 in a quarter?
If your total spending is Rs. 50,000 in a quarter, you will not receive the complimentary domestic lounge visits for the subsequent quarter.
Does this card offer Priority Pass membership?
Yes, the card provides Priority Pass access granting you 4 complimentary international airport lounge visits per year, limited to 1 visit per quarter.
Can my add-on cardholder use the lounge access?
Lounge benefits are restricted to the primary cardholder; add-on cardholders do not receive a separate lounge quota and must use the primary member's visits if allowed or pay the standard walk-in rate.
Is the fuel surcharge waiver valid at all petrol pumps?
Yes, the 1% surcharge waiver works across all fuel stations in India, regardless of the brand.
Do I get the waiver if I spend Rs. 300 on fuel?
No, the transaction amount must be exactly Rs. 500 or higher to trigger the surcharge waiver. Small top-ups will incur the regular surcharge.
What is the maximum surcharge I can save in a month?
You can save a maximum of Rs. 500 per billing cycle through the fuel surcharge waiver.
Do I earn NeuCoins on my fuel purchases?
No, fuel transactions are explicitly excluded from the reward program. You only get the surcharge waiver, no NeuCoins.
Does the waiver cover the GST applied to the surcharge?
The card waives the 1% bank surcharge, but any applicable GST on that surcharge is not reversed and must be borne by the cardholder.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 NeuCoin = ₹1
Redemption Options
- Tata Neu app/website
To check redemption catalogue
Earning rewards is only half the battle; redeeming them efficiently is where you extract real value. ...
Read MoreRead Less
Earning rewards is only half the battle; redeeming them efficiently is where you extract real value. ...
Earning rewards is only half the battle; redeeming them efficiently is where you extract real value. The Tata Neu Infinity SBI Card makes redemption incredibly straightforward because it avoids complicated point-conversion ratios. One NeuCoin is equal to exactly Rs. 1 in purchasing power. You do not have to worry about points losing value depending on what you redeem them for.
To use your rewards, you must access the Tata Neu app or website. Your earned NeuCoins automatically pool into your Tata Neu account. When you are ready to make a purchase—whether it is booking a flight, ordering groceries on BigBasket, buying a shirt on Westside, or getting a new laptop on Croma—you simply select "NeuCoins" at the checkout page. The system will deduct the equivalent Rupee amount from your total bill.
For example, suppose you have accumulated 5,000 NeuCoins over three months. You decide to buy a smartwatch worth Rs. 6,000 on the Tata Neu app. At checkout, you apply your 5,000 NeuCoins. Your total payable amount immediately drops to Rs. 1,000, which you can pay using your credit card. Best of all, there are zero reward redemption fees charged by the bank for utilizing your NeuCoins.
View FAQ
Commonly Asked Questions
How do I redeem the NeuCoins I have earned?
You redeem them directly during checkout on the Tata Neu app or website across categories like shopping, travel booking, groceries, dining, and electronics.
What is the exact value of my reward points?
The conversion rate is flat and transparent: 1 NeuCoin equals exactly Rs. 1 in value.
Where can I spend my NeuCoins?
You can spend them across the Tata ecosystem, including BigBasket, Croma, Air India, 1mg, Westside, Titan, and other participating partner brands on the app.
Is there a fee for redeeming my reward points?
No, the bank charges a 0% reward redemption fee, meaning you get the full value of your hard-earned points without any hidden processing costs.
Can I adjust my NeuCoins against my credit card statement bill?
No, NeuCoins are designed for brand redemption within the Tata Neu ecosystem. They cannot be converted into statement cashback to pay your monthly credit card bill.
Is there a minimum NeuCoin balance needed before I can redeem?
Most partner brands allow you to redeem starting from as low as 1 NeuCoin to partially offset your bill at checkout.
Do my NeuCoins expire?
NeuCoins expire 365 days after your last transaction. As long as you earn or redeem coins at least once a year, your balance remains active.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an SBI Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an SBI Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Wallet Loads
Rent Payments
Utility Payments
EMI Transactions
Cash Withdrawals
Fees & Charges
Interest
Payment Returned Charges
Late Payment Fees
For Spends Waiver
Fuel
Wallet Loads
Rent Payments
Utility Payments
EMI Transactions
Cash Withdrawals
Fees & Charges
Interest
Payment Returned Charges
Late Payment Fees
Like all credit cards, the Tata Neu Infinity SBI Card comes with a list of exclusions—specific transa...
Read MoreRead Less
Like all credit cards, the Tata Neu Infinity SBI Card comes with a list of exclusions—specific transa...
Like all credit cards, the Tata Neu Infinity SBI Card comes with a list of exclusions—specific transaction types that will not earn you any NeuCoins. It is crucial to know these so you do not use the card expecting rewards and end up disappointed.
The bank clearly states that you will earn zero rewards on fuel purchases, wallet loads (like topping up Paytm or Amazon Pay balances), rent payments, cash withdrawals, and EMI transactions. Furthermore, any fees, interest components, late payment charges, or payment returned charges levied by the bank will not accumulate points. Utility payments are also technically listed under general exclusions for standard rewards, though the benefits specifically mention a 2,000 NeuCoin cap for utilities, meaning you only earn on utilities if processed through eligible Tata partner channels.
Let us look at a practical example of how exclusions affect you. If you use your card through a third-party app to pay a Rs. 20,000 monthly house rent, you might expect to earn 300 NeuCoins (at 1.5%). However, because rent is an excluded category, you will earn exactly 0 NeuCoins. Even worse, the bank will charge you a 1% surcharge fee on that rent payment, costing you an extra Rs. 200 plus GST. Understanding these exclusions helps you optimize where you swipe your card.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards or cashback on this card?
You will not earn any NeuCoins on fuel, wallet loads, rent payments, cash withdrawals, EMI transactions, bank fees, and interest charges.
Are fuel transactions excluded from earning rewards?
Yes, fuel transactions are completely excluded from earning NeuCoins. However, you do get a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000.
Does paying rent with this card earn reward points?
No, rent payments do not earn any rewards. Furthermore, making a rent payment attracts a 1% bank surcharge fee.
Do wallet top-ups earn NeuCoins?
No, loading money into digital wallets is an excluded category and will not generate any reward points.
What happens if I convert a large purchase into an EMI?
Once a transaction is converted into an EMI, it becomes ineligible for NeuCoins. If points were already credited, the bank will reverse them upon EMI conversion.
Does the monthly 2,000 NeuCoin cap apply to all spending?
No, the 2,000 NeuCoin cap specifically applies individually to Grocery, Insurance, Utility, and Telecom categories. For example, you can earn a max of Rs. 2,000 value back on groceries per month.
What happens if I accidentally make a payment in an excluded category?
The transaction will process normally and reflect on your bill, but your NeuCoin balance for that specific transaction will show zero. You do not lose points you have already earned.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  1.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (1.99%): | 1.99% |
APR Fees Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid. | 3.75% |
ATM withdrawal 2.50% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge is applied to transactions made for booking railway tickets, as prescribed by IRCTC / Indian Railways. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees A flat fee of ₹199 plus applicable GST is charged per rent payment transaction made using the credit card. Processing fee will not be reversed in case of transaction reversal, cancellation, or refund. | ₹199 |
cheque Payment Fees A fee of ₹250 plus applicable taxes is charged for payments made by depositing cash at a select State Bank of India branch. No fee is applicable for payments made at Karur Vysya Bank branches. | ₹200 |
Cash Payment Fees ₹250 + GST is charged for cash payments made at SBI branches. | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| Value: ₹0–₹500 | ₹0 |
| ₹501–₹1,000 | ₹400 |
| ₹1,001–₹10,000 | ₹750 |
| ₹10,001–₹25,000 | ₹950 |
| ₹25,001–₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
Before committing to a premium credit card, you must fully grasp the associated costs. The Tata Neu I...
Read MoreRead Less
Before committing to a premium credit card, you must fully grasp the associated costs. The Tata Neu I...
Before committing to a premium credit card, you must fully grasp the associated costs. The Tata Neu Infinity SBI Card has a fee structure typical of mid-to-premium tier cards, offering fair waivers but strict penalties for missed payments or specific transaction types. Below is a detailed breakdown of every fee you might encounter.
Joining Fee: The bank charges a one-time joining fee of Rs. 1,499. However, you receive 1,499 NeuCoins (valued at Rs. 1,499) within 15 days of the realization of this fee, making it practically free to join.
Annual or Renewal Fee: From the second year, an annual fee of Rs. 1,499 applies. This fee is entirely waived if you spend Rs. 3 lakh or more in a year. For example, if you spend Rs. 25,000 every month, you will never pay this renewal fee.
APR or Interest Rate: If you do not pay your total bill by the due date, finance charges of 3.75% per month (45% per annum) apply on the unpaid balance until fully repaid. For example, an unpaid balance of Rs. 10,000 will attract an interest charge of Rs. 375 for a single month, rapidly increasing your debt.
Late Payment Charges: Missing a payment triggers slab-based penalties. Balances up to Rs. 100 face Rs. 0 charge. Rs. 100 to Rs. 500 faces Rs. 100. Rs. 501 to Rs. 1,000 faces Rs. 400. Rs. 1,001 to Rs. 10,000 faces Rs. 750. Rs. 10,001 to Rs. 25,000 faces Rs. 950. Rs. 25,001 to Rs. 50,000 faces Rs. 1,100. Above Rs. 50,000 faces Rs. 1,300. For instance, if you forget to pay a Rs. 5,000 bill, you will be hit with a Rs. 750 late fee instantly.
Foreign Transaction Fee: This card features a competitive 0% forex markup fee for international transactions. For example, if you spend USD 100 on an international website (roughly Rs. 8,300), you will pay exactly the Rupee equivalent without any extra bank commission.
ATM Cash Withdrawal Fee: Withdrawing cash via a credit card is extremely expensive. The bank charges 2.5% of the withdrawn amount, subject to a minimum of Rs. 500. For example, if you withdraw Rs. 10,000 in an emergency, you will pay a flat Rs. 500 fee upfront, plus immediate interest charges.
Rent Payment Convenience Fee: Paying rent via this credit card attracts a surcharge fee of 1% plus GST. If you pay a house rent of Rs. 20,000, the bank will add a Rs. 200 fee to your statement, and you will earn zero rewards on the transaction.
Railway Surcharge: A surcharge of 1% is applied to transactions made for booking railway tickets. If you book a train ticket worth Rs. 2,000, expect a Rs. 20 surcharge fee to appear on your bill.
Cash Payment Fee: If you visit a branch to pay your credit card bill in physical cash, a Rs. 250 cash payment fee is charged per deposit. To avoid this, always pay your bill online via net banking or UPI.
Cheque Payment Fee: A fee of Rs. 100 is levied for cheque return, cheque dishonor, or auto-debit reversal. If your bank account lacks funds when your credit card auto-debit triggers, you will face this Rs. 100 penalty.
Reward Redemption Fee: The bank charges Rs. 0 as a reward redemption fee. When you use your NeuCoins to buy groceries, the full value is utilized without any hidden deductions.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 1,499 (Offset by 1,499 NeuCoins) |
| Annual Fee | Rs. 1,499 (Waived on Rs. 3 Lakh spends) |
| Interest Rate (APR) | 3.75% per month (45% annually) |
| Late Payment Fee | Rs. 0 to Rs. 1,300 (Based on balance slab) |
| Forex Markup | 0% |
| Cash Withdrawal Fee | 2.5% (Minimum Rs. 500) |
| Rent Payment Surcharge | 1% + GST |
| Railway Booking Surcharge | 1% |
| Cash Payment at Branch | Rs. 250 per deposit |
| Cheque Return / Auto-Debit Fail | Rs. 100 |
| Reward Redemption Fee | Rs. 0 |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 1,499 plus GST, which is offset by a welcome gift of 1,499 NeuCoins.
What is the annual or renewal fee?
The annual renewal fee is Rs. 1,499 plus applicable taxes.
Is there an annual fee waiver based on spending?
Yes, the annual fee is entirely waived if you spend Rs. 3 lakh or more on your card in a year.
How can I get this card lifetime free?
The card is available as a lifetime free offer for SBI's premium banking customers or during exclusive limited-time campaigns for corporate employees.
What is the interest rate (APR) if I do not pay my full balance?
The card carries a high finance charge of 3.75% per month, which equals an annualized rate of 45%.
How is the interest calculated on outstanding balances?
Interest is applied on unpaid outstanding balances from the transaction date until the amount is fully repaid. If you leave Rs. 10,000 unpaid, you will pay Rs. 375 in interest that month.
What are the late payment charges?
Late fees range from Rs. 0 for tiny balances under Rs. 100, up to Rs. 1,300 for outstanding balances exceeding Rs. 50,000.
Is the late payment fee different based on outstanding amount?
Yes, the fee operates on a slab system. A Rs. 4,000 balance attracts a Rs. 750 fee, while a Rs. 20,000 balance attracts a Rs. 950 fee.
What is the forex markup for international transactions?
The forex markup is 0%, meaning you pay the base conversion rate without any extra bank commission.
Can I withdraw cash using my credit card?
Yes, but you will be charged a massive fee of 2.5% of the withdrawn amount, with a strict minimum charge of Rs. 500.
Are there fees for paying rent with this card?
Yes, a surcharge fee of 1% plus GST is applied to all rental transactions made using this credit card.
Is there a fee for paying my bill in cash?
Yes, going to a bank branch to pay your credit card bill with physical cash incurs a Rs. 250 penalty per deposit.
What are the charges for cheque payment of bills?
A fee of Rs. 100 is charged if your payment cheque bounces or if your auto-debit mandate fails due to low account balance.
Are there charges for railway ticket bookings?
Yes, a surcharge of 1% is applied to transactions made specifically for booking railway tickets.
Is there a fee to redeem my reward points?
No, the reward redemption process is entirely free of charge. You pay Rs. 0 when applying your NeuCoins at checkout.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
Do I need a physical PAN card to apply?
Yes, an original physical PAN card is strictly mandatory. E-PAN cards or photocopies are usually rejected during the Video KYC process.
Can I use my Aadhaar card as address proof?
Yes, Aadhaar is the most commonly accepted address proof, and using offline Aadhaar verification speeds up the application significantly.
What income proof do I need if I run a business?
Business owners must provide their latest annual Income Tax Return (ITR) computing to at least Rs. 3 lakh.
Do I need to submit paper photographs?
No, in the digital application process, the bank captures your live photograph during the Video KYC call.
What if my current address is different from my Aadhaar address?
You will need to provide an alternative valid address proof, such as a recent utility bill or rental agreement, verifying where you currently live.
Do I need to sign any physical forms?
No, you will simply provide a live digital signature by signing on a blank white paper while on camera during the video verification.
Who Should Get This Card?
This card is a dream come true for the "Tata Loyalist." If your phone is loaded with the BigBasket app for daily groceries, the 1mg app for medicines, and you occasionally buy electronics from Croma or clothes from Westside, this card will save you thousands of rupees a year. The 5% return is massive and easy to redeem without complex conversions.
It is equally fantastic for the "UPI Power User." If you are someone who rarely carries cash and pays for every tea, auto ride, and restaurant bill by scanning a QR code with Google Pay, the 1.5% reward rate on UPI (capped at 500 points/month) means you finally get paid for making small transactions.
On the flip side, who should NOT get this card? If you prefer flying IndiGo over Air India, do most of your shopping on Amazon, and hate being locked into a specific brand's ecosystem to redeem your rewards, this card will feel restrictive. You cannot use NeuCoins to pay your credit card bill or transfer them to a bank account, making it unsuitable for users who want pure, liquid statement cashback.
Credit Limit and What to Expect
Your credit limit is not a fixed number; the bank determines it dynamically based on several factors. When evaluating your profile, the bank looks at your CRIF credit score (which must be 720 or above), your monthly income (minimum Rs. 25,000), and your existing debt obligations. If you have an excellent track record of repaying loans and a high salary, you can expect a generous credit limit that gives you plenty of room for large purchases.
It is always a good practice to keep your credit utilization ratio below 30%. For example, if the bank assigns you a limit of Rs. 1,00,000, try to keep your monthly outstanding balance below Rs. 30,000 to maintain a healthy credit score.
View FAQ
Commonly Asked Questions
How does the bank decide my credit limit?
The bank calculates your limit by analyzing your declared income, your CRIF credit score, your repayment history, and any existing loans you currently hold.
What is the minimum credit limit I can expect?
Eligible applicants for this premium tier card can expect a starting credit limit ranging from Rs. 50,000 to Rs. 1,50,000 based on their verified profile.
Can I request a higher credit limit later?
Yes, after 6 to 12 months of consistent usage and timely bill payments, you can submit fresh income documents to request a limit enhancement.
Will checking my eligibility lower my credit score?
Initial online eligibility checks use soft inquiries which do not harm your score. Only the final submission triggers a hard inquiry.
Does the Rs. 3 lakh waiver target include my credit limit?
No, the annual fee waiver target is based on your actual spending, not the maximum credit limit assigned to your card.
Can I spend more than my assigned credit limit?
Attempting to spend past your limit will result in a declined transaction or trigger an over-limit penalty fee of 2.5% of the over-limit amount (minimum Rs. 500).
Are UPI transactions restricted by my credit limit?
Yes, every RuPay UPI transaction you make draws from your main credit card limit, exactly like a regular swipe.
How to Apply?
Applying for the Tata Neu Infinity SBI Card is a fast, digital-first process. The easiest method is to apply online through the official bank website or the Tata Neu application. You will be asked to fill in your basic details, employment information, and PAN number to check preliminary eligibility. If approved, you can complete the process via Video KYC from the comfort of your home, entirely eliminating the need for physical paperwork or branch visits.
For a smooth Video KYC experience, ensure you have your original physical PAN card handy, a blank piece of paper with a blue/black pen for a live signature, and a solid internet connection. You must also be physically present in India during the call.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply directly through the Tata Neu mobile app, the official SBI Card website, or through trusted financial partner platforms online.
What is Video KYC and is it mandatory?
Video KYC is a digital verification call with a bank agent. It is mandatory for online applications as it allows you to complete your verification without visiting a branch or meeting an agent physically.
What do I need for a successful Video KYC call?
Keep your original PAN card ready, ensure you are in a well-lit room, and have a stable internet connection so the agent can clearly verify your identity.
How long does the approval process take?
Once Video KYC is complete, final approval and card generation take between 3 to 7 working days, subject to internal bank checks.
How can I track my application status?
You will receive an Application ID via SMS. You can use this ID on the bank's website track page to see the real-time status of your card.
Can I apply offline at a bank branch?
Yes, if you prefer offline methods, you can visit a local branch, fill out a physical application form, and submit hard copies of your documents.
What happens if my Video KYC fails?
If the video call drops or fails due to network issues, the bank will send a representative to your registered address within 3 working days to complete physical biometric KYC.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1400 Rewards
Top Benefits
Get 1,499 NeuCoins As Welcome Benefit
credited within 15 days of joining-fee realization to your NeuPass account
Earn 5% Value Back as NeuCoins on Tata Neu App, Website, and Partner Brands
on spends at Croma, Westside, Titan, Tanishq, and Tata Cliq
The smartest way to find your great credit card
We value your time and privacy. Your details stay secure and are used only to help you.
Company
We value your time and privacy. Your details stay secure and are used only to help you.