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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.
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.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: 4 complimentary domestic lounge visits per year (1 per quarter) on ₹50,000 quarterly spend
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
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- 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- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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
- 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