Tata Neu Plus SBI Credit Card Benefits, Eligibility, Fees & Offers January 2026

Quick Overview

💳

Network

RuPay

💰

Joining Fee

₹499

⏱️

Processing Time

7-10 working days

📈

Min Income

₹25,000 monthly

Pros & Cons

✅ Pros

✓ Low annual fee of ₹499
✓ 2% NeuCoins on Tata Neu and partner brands
✓ Extra 5% NeuCoins on select categories
✓ 1% NeuCoins on UPI transactions (RuPay variant)
✓ Quarterly domestic lounge access
✓ Annual fee waiver on ₹1 lakh spend
✓ 1% fuel surcharge waiver
✓ Both Visa and RuPay variants available

❌ Cons

✗ Limited to Tata ecosystem for maximum benefits
✗ Rewards capped on various categories
✗ Basic travel and dining benefits
✗ No international lounge access
✗ High forex markup charges
✗ Redemption fee of ₹99 for NeuCoins

🎯 Best For

Tata brand loyalists Frequent Tata Neu app users UPI transaction users Budget-conscious spenders First-time credit card users Regular Tata service users

About This Card

The Tata Neu Plus SBI Credit Card is perfect for Tata brand loyalists who want to earn rewards on their everyday purchases. With attractive NeuCoins on Tata ecosystem and UPI transactions, this co-branded card offers excellent value for regular spenders.

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Key Features

🎁
Tata Brand Rewards
2% NeuCoins on Tata Neu and partner brands
🎁
Bonus Categories
Extra 5% NeuCoins on select categories via Tata Neu
🎁
UPI Rewards
1% NeuCoins on UPI transactions (RuPay variant)
🎁
Lounge Access
Quarterly domestic lounge access on spend criteria
🎁
Fuel Benefits
1% fuel surcharge waiver on transactions
🎁
Dual Variant
Available on both Visa and RuPay networks

Reward Program

Tata Brands

Tata Neu app/website and partner brands

2% NeuCoins

Select Categories

Special categories on Tata Neu with NeuPass

Extra 5% NeuCoins

UPI Transactions

RuPay variant only, capped at 500 NeuCoins/month

1% NeuCoins

Other Spends

All other eligible transactions

1% NeuCoins

Fees & Charges

Annual Fee

₹499

Joining Fee

₹499

Late Payment

Up to ₹1,300

Rewards Redemption

₹99

Forex Markup

3.5%

Eligibility Criteria

Age

18-65 years

Income

₹25,000 monthly

Credit Score

700+ 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 Plus SBI Credit Card? +

The annual fee for Tata Neu Plus SBI Credit Card is ₹499 with a joining fee of ₹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 Plus SBI Credit Card? +

New Tata Neu Plus SBI Credit Card cardholders can earn 2,000 NeuCoins on spending ₹2,000 in first 90 days. This welcome offer is typically available for a limited time and subject to meeting minimum spending requirements.

What cashback rates does Tata Neu Plus SBI Credit Card offer? +

Tata Neu Plus SBI Credit Card offers Up to 7% NeuCoins. The cashback rates may vary by category and spending patterns, providing excellent value for everyday purchases.

What are the eligibility criteria for Tata Neu Plus SBI Credit Card? +

To be eligible for Tata Neu Plus SBI Credit Card, you need a minimum income of ₹25,000 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 Plus SBI Credit Card approved? +

The typical processing time for Tata Neu Plus 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 Plus SBI Credit Card? +

You can apply for Tata Neu Plus SBI Credit Card online through our secure application process. The application is quick and convenient, requiring basic personal and financial information.