Tata Neu Infinity SBI Card Review: 5% NeuCoins, No Claiming Needed

SBI Card's Tata Neu Infinity card returns 5% as NeuCoins on the Tata Neu app and partner Tata brands and 1.5% on most other spends, and moves the coins to NeuPass without any claim. It costs ₹1,499 plus GST, matched by 1,499 welcome NeuCoins and reversed from year two on ₹3 lakh of spends. HDFC Bank's card of the same name works differently.

Rashmi Mandana By Rashmi Mandana · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee
₹1,499 + GST
Annual fee
₹1,499 + GST. Annual Fee reversal on annual spends of 3 lakhs or more (net retail spends in the 365 days before the fee date)
Base reward
1.5% Value Back as NeuCoins on other spends, including UPI transactions... (about 1.5% value)
Best category
Non-EMI spends on Tata Neu app/website and partner Tata brands: about 5% value
Lounge
Domestic: 8 domestic airport lounge accesses a year (2 per quarter) International: 4 complimentary international airport lounge accesses a year (1 per quarter) via Priority Pass; membership valid 2 years
Forex markup
1.99% of the amount
Network
Visa, RuPay
Apply on SBI Card's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

A strong pick for regular Tata brand shoppers who want NeuCoins credited without effort and a 1.99% forex markup, but only a 1.5% card for everyone else.

Best for

  • Households buying from BigBasket, Croma, Tata CLiQ or Tata 1mg every month
  • RuPay UPI users who want 1.5% back on merchant payments
  • Occasional travellers abroad who value a 1.99% forex markup

Skip it if

  • You rarely shop with Tata brands and want cashback on your statement
  • You want domestic lounges without spending ₹75,000 a quarter
  • Most of your spending is rent, fuel or wallet loads

Highlights

  • ₹1,499 plus GST a year, with 1,499 NeuCoins on joining
  • 5% NeuCoins on Tata Neu and partner Tata brands
  • 1.5% on other spends; UPI capped at 500 NeuCoins a month
  • 1.99% forex markup, plus 8 domestic and 4 international lounge visits a year

Tata Neu Infinity SBI Card: the SBI Card version

There is two cards called Tata Neu Infinity, one from HDFC Bank and this one from SBI Card, and their rules are not the same. This review is of the SBI Card one, issued with Tata Digital's NeuPass programme; it is active, on Visa or RuPay, and SBI Card takes application online. The Similar cards tab set it against HDFC's.

Rewards come as NeuCoins, each worth ₹1 on Tata Neu or at brands like BigBasket, Croma, Tata CLiQ, Tata 1mg, Titan, Westside and IHCL hotels. SBI Card moves the coins to your NeuPass account by itself within 7 working days of each statement. Nothing to claim.

What matters most

  • 5% on Tata, no cap stated. Non-EMI spends on the Tata Neu app or website and at partner Tata brands earn 5%, and SBI Card names no ceiling for it.
  • 1.5% on nearly everything else. UPI on the RuPay card earn the same rate, up to 500 NeuCoins a month.
  • Low forex. The 1.99% markup is the lowest in SBI Card's fee table, shared with AURUM, ELITE, PRIME NRI Secured and Miles Elite.

Changes to know about

The records we read show no card-specific change from 2024 to 2026, but the issuer's common charges has moved: 3.75% a month interest from 1 November 2024, a 1% fee on big utility bills from 1 December 2024 and on wallet loads and app-paid education from 1 November 2025, and from 1 December 2026 on large transport and fuel spends too.

Frequently asked questions

What is the fee on the Tata Neu Infinity SBI Card and can it be reversed?
The joining fee and the yearly renewal fee are ₹1,499 each, plus GST, so ₹1,768.82 at 18%. SBI Card credits 1,499 NeuCoins within 15 days of the joining fee being paid, and from the second year it reverses the fee when net retail spends in the 365 days before the fee date reach ₹3 lakh.
What is a NeuCoin worth on the SBI Card version?
One NeuCoin equals ₹1 of savings on Tata Neu and at partner brands such as BigBasket, Croma, Tata CLiQ, Tata 1mg, Westside and IHCL hotels. SBI Card moves NeuCoins to your NeuPass account automatically within 7 working days of the statement, rounds them down per transaction and states no redemption fee or expiry.
Who can apply for the Tata Neu Infinity SBI Card?
Salaried people aged 21 and above can apply, and for an online application the self-employed must be over 25 and retired pensioners over 40. SBI Card's upper age limit appears as 60 and as 70 on the same page. No income figure is published, a score of 750 to 900 helps, and SBI Card alone decides.
What lounge access and forex markup does the SBI version have?
You get 8 domestic lounge visits a year, 2 a quarter, when eligible spends in the previous calendar quarter were ₹75,000 or more, and 4 international visits a year through Priority Pass, whose membership lasts 2 years. The forex markup is 1.99%, against 3.5% on most SBI cards, so ₹1,00,000 spent abroad costs ₹1,990 before GST.
Which recent SBI Card fee changes apply to this card?
Several common charges apply: 1% on wallet loads above ₹1,000 and on education paid through third-party apps since 1 November 2025, revised late payment slabs from 1 May 2026, and from 1 December 2026 a 1% fee on transport transactions above ₹30,000 and on fuel spends above ₹50,000 in a billing cycle.
How is SBI's Tata Neu Infinity card different from HDFC's?
Both cost ₹1,499 plus GST and pay 5% on Tata brands and 1.5% elsewhere. SBI Card credits NeuCoins automatically, while HDFC needs them claimed in the Tata Neu App from 25 November 2026. SBI Card's forex is 1.99% against HDFC's 2%, but its domestic lounges need ₹75,000 of previous-quarter spends, against HDFC's ₹50,000 in the same quarter.

Sources

  • SBI Cards and Payment Services Ltd: Most Important Terms & Conditions (PDF 'MITC- Common-30OCT26', Ver FY 27, 16); Tata Neu Infinity SBI Card T&C booklet; Tata Neu Infinity SBI Card product page (page content served from SBI Card's card data file); SBI Card credit cards listing page, 'Get ready to apply' checklist (content file /templatedata/common/content-tab); SBI Card credit cards listing page, 'Get ready to apply' checklist; SBI Card credit cards listing page FAQ (content file /templatedata/common/faq); SBI Card credit cards listing page FAQ; SBI Card credit cards listing page, 'Documents Required'; SBI Credit Card Customer Care - Helpline Numbers, Contact Address; SimplyCLICK SBI Card product page (page content served from SBI Card's card data file)

Last verified: 5 November 2026

Written by Rashmi Mandana, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.

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