The Tata Neu Infinity SBI Credit Card is the premium version of SBI Card’s Tata Neu range. It pays 5% as NeuCoins on Tata Neu and Tata brands, up to 10% with Tata NeuPass on select categories, and 1.5% on UPI and other spends. Add 12 lounge visits a year, four of them international with no spend condition, and it is one of the strongest co-branded cards in India for Tata shoppers.
How the NeuCoins work
| Where you spend | What you earn | Cap |
|---|---|---|
| Tata Neu app/website and partner Tata brands | 5% as NeuCoins | |
| Select categories with Tata NeuPass | Extra 5% (up to 10% total) | |
| Non-Tata spends and UPI | Up to 1.5% as NeuCoins | 500 NeuCoins a month |
| Joining fee paid | 1,499 NeuCoins | Once |
Good to know: 1 NeuCoin = ₹1 of savings, redeemable across Tata Neu partner brands such as BigBasket, Croma, Tata CLiQ and others in the Tata Neu app.
What you would actually earn
Spend ₹10,000 a month on Tata brands and ₹25,000 on other spends and UPI. That is 500 + 375 = 875 NeuCoins a month, or about ₹10,500 a year, before NeuPass bonuses. Your ₹4.2 lakh yearly spend also clears the ₹3 lakh fee waiver.
The 500-NeuCoin monthly cap on non-Tata and UPI spends is reached at about ₹33,000 a month, so very heavy spenders may want a second card for the rest.
Lounge access
- International: 1 visit per quarter, up to 4 a year, with no prior spend needed.
- Domestic: 2 visits per quarter, up to 8 a year, when you spend ₹75,000 in the previous quarter.
Other benefits
- Welcome: 1,499 NeuCoins after paying the joining fee.
- Fuel: 1% surcharge waiver on ₹400–₹5,000, up to ₹500 per statement cycle.
Fees and charges
| Joining fee | ₹1,499 + GST |
|---|---|
| Annual fee | ₹1,499 + GST |
| Annual fee waiver | Spend ₹3 lakh or more |
Eligibility
| Age | 21 to 65 years |
|---|---|
| Employment | Salaried or self-employed |
| Income (salaried) | ₹1,00,000 a month or more |
| Income (self-employed) | ₹12 lakh a year or more |
| Credit score | 720 or above |
Documents you will need
- Identity: PAN card (or Form 60)
- Address: Aadhaar, passport or a recent utility bill
- Income: latest salary slips or bank statements
- Photo: a recent passport-size photograph
How to apply
- Tap Apply on SBI Card site on this page to open the official application form.
- Fill in the form in one go, using the mobile number linked to your Aadhaar.
- Complete video KYC when prompted, from your current address.
- Once the card arrives, make a first transaction (₹100 or more) within 30 days to activate it.
Who should get it, and who shouldn’t
Get it if you earn ₹1 lakh a month or more and shop regularly with Tata brands like BigBasket, Croma or Tata CLiQ. The 5% base rate and international lounges make it excellent value.
Skip it if you don’t meet the income bar (the Neu Plus is the alternative) or you rarely use Tata Neu, since NeuCoins can’t be spent elsewhere.
