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Tata Neu Infinity SBI Credit Card
RuPay
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.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
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.
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
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