Tata Neu Infinity SBI Credit Card

₹1,499 plus GST, waived on ₹3,00,000 of annual spend.

The strongest published rate is 5% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.

Yes. 4 complimentary domestic lounge visits a year, capped at 1 a quarter, plus international visits through the Priority Pass programme.

Yes. This is a RuPay card, so it can be linked to a UPI app. UPI spends earn NeuCoins at the card's usual rates.

Fuel transactions Rent payments Wallet loads Cash advances and ATM withdrawals EMI transactions Government institution payments No rewards on fuel transactions, rent payments, wallet loads, cash advances and atm withdrawals, emi transactions, government institution payments. No NeuCoins on: Fuel spends, Wallet loads, Voucher purchases, Rent payments, Gift card/prepaid card purchases, Cash advances, Flexipay EMI transactions, Merchant EMIs, Payment of outstanding card balance, B2B transactions. Category caps apply: Grocery 2,000 NC/month, Insurance 2,000 NC/month, Utility 2,000 NC/month, Telecom & Cable 2,000 NC/month, UPI spends 500 NC/month.

STATE BANK publishes about ₹25,000 a month for salaried applicants, and it is usually issued above a 750 credit score. Meeting the criteria is not an approval — the issuer decides.

Spent on the Tata Neu app, Spent across participating Tata brands

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

Premium co-branded credit card by SBI Card and Tata Digital. Earn up to 10% NeuCoins on select Tata Neu categories, 5% on Tata partner brands (Air India, BigBasket, Tata Cliq, Taj, Croma, Titan, Tanishq, 1mg, Westside, Qmin), 1.5% on all other spends including UPI (RuPay variant). 1 NeuCoin = ₹1. Annual fee ₹1,499 reversed on ₹3L spend. Available in RuPay Select and Visa Signature variants.

5% NeuCoins on Tata Neu app/website and Tata partner brands. Extra 5% on select categories = up to 10% total. 1.5% on all other eligible spends. 1.5% on UPI (RuPay variant). Monthly caps: Grocery/Insurance/Utility/Telecom — 2,000 NC each; UPI — 500 NC. Exclusions: fuel, wallet, rent, vouchers, gift cards, EMI, cash advances.

Assured 5% NeuCoins on purchases at: Air India, Air India Express, BigBasket, Tata Cliq, Taj Hotels (IHCL), Tata 1mg, Titan, Tanishq, Croma, Westside, Qmin — and all spends via the Tata Neu app/website. These brands together cover groceries, flights, hotels, electronics, fashion, health and jewellery.

8 complimentary domestic lounge visits per year (2 per quarter) — but access is spend-based. You must spend ₹75,000 in the previous calendar quarter to unlock 2 visits for the next quarter. The spend condition is waived for the calendar quarter in which the card is issued. Note: HDFC Tata Neu Infinity has no such spend condition for domestic lounges.

4 complimentary international airport lounge visits per year (1 per quarter) via Priority Pass membership (worth $99 — included). No spend condition required for international lounge access. Additional visits cost $27 + GST per visit. Guest visits also at $27 + GST per person. Physical Priority Pass card required at lounge entry.

1.99% foreign currency markup on all international transactions — among the best in India, especially for a ₹1,499 fee card. Standard forex markup on most Indian cards is 3.5%. Combined with 4 international lounge visits, this card delivers strong international travel value.

Yes — but only on the RuPay Select variant. Link the RuPay credit card to UPI apps (PhonePe, Google Pay, Paytm) and earn 1.5% NeuCoins on eligible UPI on Credit Card transactions. UPI NeuCoins are capped at 500 NC per month. The Visa Signature variant does not support UPI credit card payments.

NeuCoins are auto-credited to your NeuPass account at the end of each monthly statement cycle. Redeem via Tata Neu app or website at checkout — select NeuCoins as payment method. Redeem at BigBasket, Air India, Tata Cliq, Croma, Westside, Titan, Tanishq, Taj Hotels, 1mg, Qmin and all Tata Neu partner brands. 1 NeuCoin = ₹1. Partial redemption allowed.

Both earn up to 10% NeuCoins on Tata Neu. Key differences: SBI card has 1.99% forex markup vs HDFC's 2%; SBI requires ₹75,000/quarter spend for domestic lounge (HDFC has no spend condition); both offer 4 international lounge visits via Priority Pass. Choose SBI for better forex rates and UPI NeuCoins on RuPay. Choose HDFC if you want unrestricted domestic lounge access without spend conditions. Compare on CredSpy.

Joining and annual fee is ₹1,499 + GST (~₹1,769). Joining fee is effectively free due to 1,499 NeuCoin welcome bonus. Annual renewal fee from Year 2 is completely reversed on spending ₹3,00,000 or more in the preceding membership year (~₹25,000/month). Achievable for regular Tata ecosystem users.