Quick Overview
Network
RuPay
Joining Fee
₹1,499
Processing Time
7-10 working days
Min Income
₹50,000 monthly
Reward Type
Neucoins
Conversion Rate
1NeuCoins = 1Rupee
Pros & Cons
✅ Pros
- ✓ Up to 10% value back on select Tata Neu spends
- ✓ 5% value back on Tata Neu and partner brands
- ✓ 1.5% value back on UPI transactions and other spends
- ✓ Complimentary international and domestic lounge access
- ✓ Low forex markup of 1.99%
- ✓ Annual fee waiver on ₹3 lakh spend
- ✓ Premium travel and lifestyle benefits
- ✓ Available on RuPay network for UPI rewards
❌ Cons
- ✗ High annual fee of ₹1,499
- ✗ Limited to Tata ecosystem for maximum benefits
- ✗ High minimum income requirement
- ✗ Complex reward structure
- ✗ Fee waiver requires high spending threshold
- ✗ Redemption fee for NeuCoins
🎯 Best For
High-spending Tata loyalists
Frequent international travelers
Premium lifestyle spenders
UPI heavy users
Business professionals
Tata ecosystem frequent users
About This Card
The Tata Neu Infinity SBI Credit Card, a premium co-branded offering in alliance with Tata Neu and SBI Card, stands out for people who frequently shop on Tata’s ecosystem or want to maximize their daily spends—including UPI transactions—with robust rewards.
Tata Neu also has a Referral offer, where they give ₹700 on signup and referral. You can always refer friends to earn some Tata Neu coins.
Rewards Structure
- Up to 10% NeuCoins on select spends on Tata Neu App and affiliated Tata brands like BigBasket, Croma, Tata CLiQ, Air India, Taj Hotels, Titan, Tanishq, Westside, and Qmin.
- 1.5% Neu Coins back on all other eligible spends—including UPI transactions if you use the RuPay variant (capped at 500 NeuCoins per month for UPI pays).
- 5% NeuCoins on all purchases made on Tata Neu and listed Tata brands as base rate.
- NeuCoins can be redeemed on Tata Neu platform for a range of products and services.
Pros and Cons
Who Should Apply?
- Tata Loyalists: If you regularly shop at Tata Group stores or use Tata services (Air India, BigBasket, Croma, CLiQ, Taj, Titan, etc.), this card’s rewards are hard to beat.
- UPI Users: Those who prefer using UPI for daily spends, thanks to RuPay support and direct reward accrual.
- Frequent Travellers: For users seeking both domestic and international lounge access and low forex markup
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Key Features
Premium Rewards
Up to 10% value back on select Tata Neu spends
International Lounge
Complimentary international lounge access
Low Forex Markup
Only 1.99% markup on international transactions
UPI Rewards
1.5% value back on UPI transactions
Premium Benefits
Exclusive travel and lifestyle privileges
RuPay Network
Available on RuPay for UPI compatibility
Reward Program
Neucoins Rewards
Conversion Rate:
1NeuCoins = 1Rupee
Value:
1:1 (Full Value)
Select Tata Neu Spends
Special categories with extra 5% bonus
Up to 10% NeuCoins
Neucoins
Tata Neu & Partners
All Tata Neu and partner brand transactions
5% NeuCoins
Neucoins
UPI Transactions
All UPI payments through RuPay network
1.5% NeuCoins
Neucoins
Other Spends
All other eligible transactions
1.5% NeuCoins
Neucoins
Fees & Charges
Annual Fee
₹1,499
Joining Fee
₹1,499
Late Payment
Up to ₹1,300
Forex Markup
1.99%
Rewards Redemption
₹99
Eligibility Criteria
Age
21-65 years
Income
₹50,000 monthly
Credit Score
750+ preferred
Employment
Salaried/Self-employed
📄 Required Documents
- 📄 PAN Card
- 📄 Aadhaar Card
- 📄 Salary Slips
- 📄 Bank Statements
- 📄 Form 16/ITR
- 📄 Address Proof
Frequently Asked Questions
What is the annual fee for Tata Neu Infinity SBI Credit Card? +
The annual fee for Tata Neu Infinity SBI Credit Card is ₹1,494 with a joining fee of ₹1,499. Some cards may waive the annual fee based on spending criteria or for the first year.
What welcome bonus do I get with Tata Neu Infinity SBI Credit Card? +
New Tata Neu Infinity SBI Credit Card cardholders can earn 10,000 NeuCoins on spending ₹50,000 in first 90 days. This welcome offer is typically available for a limited time and subject to meeting minimum spending requirements.
How does the Neucoins system work with Tata Neu Infinity SBI Credit Card? +
Tata Neu Infinity SBI Credit Card offers Neucoins as rewards. The conversion rate is 1NeuCoins = 1Rupee. You can earn Up to 10% NeuCoins on various categories.
What are the eligibility criteria for Tata Neu Infinity SBI Credit Card? +
To be eligible for Tata Neu Infinity SBI Credit Card, you need a minimum income of ₹50,000 monthly. Additional criteria may include age requirements, credit score, and employment status. Contact for complete eligibility details.
How long does it take to get Tata Neu Infinity SBI Credit Card approved? +
The typical processing time for Tata Neu Infinity SBI Credit Card is 7-10 working days. Processing times may vary based on document verification and credit assessment. You may receive instant approval for pre-approved applications.
How can I apply for Tata Neu Infinity SBI Credit Card? +
You can apply for Tata Neu Infinity SBI Credit Card online through our secure application process. The application is quick and convenient, requiring basic personal and financial information.
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