All cards / SBI Card
Tata Neu Infinity SBI Credit Card
The premium Tata Neu co-brand from SBI Card, positioned as a direct alternative to HDFC's Tata Neu Infinity — it earns 5% NeuCoins across the Tata retail ecosystem (Croma, Titan, Tanishq, BigBasket, Westside and more) plus 1.5% elsewhere, and adds a Priority Pass-backed international lounge benefit and conditional domestic lounge access not available on the base Plus variant.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
points
Base reward rate
1.5%
Card network
RuPay
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in online shopping, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.5% base rate
- Domestic lounge access: 8 complimentary domestic lounge visits per year (max 2/quarter, needs ₹75,000 spend in the preceding quarter) plus a Priority Pass membership with 4 complimentary international lounge visits per year
- International lounge access: Priority Pass membership with 4 complimentary international lounge visits per year (1 per quarter); $27+GST per visit thereafter
Benefits by category
- ✈️ Travel
8 complimentary domestic lounge visits per year (max 2/quarter, needs ₹75,000 spend in the preceding quarter) plus a Priority Pass membership with 4 complimentary international lounge visits per year
- 🛍️ Shopping
5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- 1,499 NeuCoins credited within 15 days of joining fee realisation, worth ₹1,499
- 8 complimentary domestic lounge visits per year (max 2/quarter, needs ₹75,000 spend in the preceding quarter) plus a Priority Pass membership with 4 complimentary international lounge visits per year
- 5% value back as NeuCoins on Tata Neu app/website and partner Tata brand spends
Pros
- + 5% NeuCoins value-back across the wide Tata retail ecosystem, higher than the Plus variant's 7% cap structure suggests it's actually a lower headline but broader-category rate
- + Priority Pass membership with 4 complimentary international lounge visits a year
- + Welcome NeuCoins bonus of ₹1,499 nearly offsets the joining fee
- + Fee waiver achievable on ₹3 lakh annual spend
Cons
- − Domestic lounge access is gated behind ₹75,000 spend in the prior quarter, not a standing benefit
- − ₹1,499 joining/annual fee is steep relative to the Tata-ecosystem-only value proposition for shoppers who don't spend heavily there
- − RuPay-only network can be a limitation for some international or online merchants that don't accept RuPay
Best for
Related guides