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Tata Neu Plus SBI Credit Card
RuPay
Tata Neu Plus SBI Credit Card
SBI Card's entry-level counterpart to HDFC's Tata Neu co-brand, this RuPay card is aimed at everyday shoppers across the Tata retail ecosystem — Croma, BigBasket, Westside, Titan, Tanishq and more — earning up to 7% back as NeuCoins on those spends, at a modest ₹499 joining fee that's nearly offset by the welcome NeuCoins bonus.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Benefits by category
- 🛍️ Shopping
7% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 499 NeuCoins (worth ₹499) credited as a welcome benefit, offsetting most of the joining fee
- Up to 7% NeuCoins on Tata Neu app/website spends and at Tata partner brands including Tata 1MG, BigBasket, Croma, Tata CliQ, Westside, Tata Play, Titan and Tanishq
Pros
- + Up to 7% NeuCoins value-back across a wide roster of Tata retail brands (Croma, BigBasket, Westside, Titan, Tanishq, Tata CliQ, Tata 1MG)
- + Welcome bonus of 499 NeuCoins largely covers the ₹499 joining fee
- + Fee waiver achievable on ₹1 lakh annual spend
- + RuPay network enables UPI-linked credit card usage
Cons
- − Base reward rate outside the Tata ecosystem is a plain 1%, unremarkable for general spending
- − No complimentary lounge access on this entry variant, unlike the pricier Tata Neu Infinity SBI Card
- − Value is concentrated in Tata-brand spending; less useful for shoppers outside that ecosystem