Priority Pass
State Bank of India
Tata Neu Infinity
The Tata Neu Infinity SBI Card is a premium co-branded shopping credit card offered by SBI Card in partnership with Tata Neu. Designed to appeal to loyalists of the Tata ecosystem, the card carries a joining and annual fee of Rs.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 7 June 2026.
At a Glance
Annual Fee
₹1,499
Joining Fee
₹1,499
Fee Waiver
Spend ₹3,00,000 annually
Lounge Access
See details
Forex Markup
2%
Effective Yield
1.5% – 10%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The Tata Neu Infinity SBI Card is a premium co-branded shopping credit card offered by SBI Card in partnership with Tata Neu. Designed to appeal to loyalists of the Tata ecosystem, the card carries a joining and annual fee of Rs. 1,499 plus applicable taxes. It stands out by offering up to 10% value back in the form of NeuCoins on select spends, which can be redeemed at a 1:1 ratio across a massive array of partner brands, including Westside, BigBasket, Croma, Air India, Titan, Tanishq, and Taj Hotels.
In addition to co-branded shopping benefits, the card offers decent travel perks. Cardholders enjoy complimentary domestic and international airport lounge access alongside a reduced foreign exchange markup fee of 1.99%. Furthermore, the card's availability on the RuPay network enables users to earn rewards on everyday UPI transactions, expanding its utility beyond standard card-present spends. However, potential cardholders should note that domestic lounge benefits are tied to quarterly spending thresholds, and reward point redemption remains restricted to Tata Neu partner brands.
Overall, the Tata Neu Infinity SBI Card is an excellent choice for individuals who frequently utilize Tata-associated services for their travel, grocery, fashion, and electronics needs. If you can comfortably meet the Rs. 3 Lakh annual spending requirement to waive the annual fee, the card provides highly concentrated value back and useful lifestyle benefits.
What We Like
We highly appreciate that the card delivers up to 10% value back on Tata Neu purchases, combined with a highly competitive 1.99% low forex markup fee. Additionally, the ability to earn 1.5% value back on UPI transactions on the RuPay variant and a straightforward 1:1 redemption ratio for NeuCoins makes it exceptionally rewarding for day-to-day use.
Pros
- ✓Earn up to 10% value back on purchases made through Tata Neu
- ✓Enjoy complimentary access to both domestic and international airport lounges
- ✓Redeem accumulated rewards at a 1:1 value ratio on Tata Neu spends
- ✓Receive 1.5% value back on UPI transactions with the RuPay version
- ✓Get a welcome benefit of 1,499 NeuCoins that offsets the joining fee
Cons
- ✗Complimentary domestic lounge access is contingent on meeting quarterly spend criteria
- ✗Accumulated rewards redemption is restricted exclusively to Tata Neu and its partner brands
Get This Card If
- ✓You frequently shop on Tata Neu and its partner brands like Westside, BigBasket, Croma, Air India, etc.
- ✓You can spend Rs. 3 Lakh in a year to avail annual fee waiver
- ✓You want to earn rewards on UPI transactions with the RuPay variant
- ✓You’re looking for a co-branded credit card with decent travel benefits
Earning & Redemption
How You Earn
| Category | Reward rate | Yield % | Cap |
|---|---|---|---|
| Tata Neu App & Partner Brands | 5% NeuCoins | 5.00% | No Upper Cap, but category-based limit still apply. |
| Non-Tata Online & UPI Spends | 1.5% NeuCoins | 1.50% | No Upper Cap |
| Offline Spends | 1.5% NeuCoins | 1.50% | No Upper Cap |
| Excluded Categories | No NeuCoins | 0.0% | — |
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹3 Lakh | Fee Waiver | ₹1,499 + GST Savings | Annual fee waived for the following year upon reaching this spend target. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Tata Neu App / Ecosystem | ₹1.00 per NeuCoin1:1 Ratio | Best Value (Redeem for groceries, electronics, or flights on the app) |
| Statement Credit (Cash) | ₹1.00 per NeuCoin1:1 Ratio | Available but subject to the '4,000 block' rule (SBI 2026 policy) |
What You Need to Know
NeuPass Additional 5%
Users can earn an additional 5% NeuCoins on select categories via the NeuPass program.
Impact: Brings the total potential yield on specific app categories to 10%.
Redemption Friction (2026)
Statement credit redemptions must be in multiples of 4,000 NeuCoins.
Impact: Requires a spend of ~₹2.6 Lakhs (at 1.5%) before you can take cashback.
Utility Capping
1% fee on utility payments exceeding ₹50,000 per cycle (SBI 2026 rule).
Impact: High utility bills attract a surcharge that negates the 1.5% reward rate.
UPI Merchant Restriction
1.5% reward is valid only on Merchant UPI (P2M), not Peer-to-Peer (P2P) transfers.
Impact: Paying friends or personal accounts will not generate rewards.
Essential Fine Print
Reward Exclusions
Non-Earning Categories: Fuel, Wallet Load, Cash Advance, Rent Payment, and EMI transactions do not earn NeuCoins.
Welcome Offer
Welcome NeuCoins
1,499 NeuCoins (1 NeuCoin = Re. 1 saving) credited to the Tata Neu App within 15 days of joining fee realisation.
Lounge Access
Priority PassDomestic Lounge Access
8 complimentary visits per year to domestic lounges in India (max 2 per quarter applicable on achieving spends of ₹75,000 in the previous quarter).
International Lounge Access
4 complimentary visits per year to international lounges via Priority Pass (max 1 per quarter).
Milestone Benefits
Renewal Fee Waiver
Spend ₹3,00,000 or more in the preceding year to get the renewal fee waived.
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | ₹1,499 |
| Annual / Renewal Fee | ₹1,499 |
| Fee Waiver Threshold | Spend ₹3,00,000 annually |
| Forex Markup | 2% |
| Reward Redemption Fee | ₹99 per redemption |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Salaried
Age between 18-70 years
Income
Must have a steady, verifiable income.
Ready to apply for Tata Neu Infinity?
Annual fee: ₹1,499 · Waived on ₹3,00,000 spend
Frequently Asked Questions
Annual fee
₹1,499
1.5% – 10% yield