← Part of SBI Credit Cards in India
The Tata Neu Infinity SBI Card, launched in April 2025, is a premium co-branded credit card offering up to 10% NeuCoins on select Tata Neu spends. This card targets frequent shoppers within the extensive Tata ecosystem, which includes brands like Air India, BigBasket, Croma, and Taj Hotels.
| Parameter | Details |
|---|---|
| Card Type | Co-branded Credit Card (Premium Variant) |
| Issuing Banks | SBI Card in partnership with Tata Digital |
| Target Audience | Consumers who frequently shop within the Tata Neu ecosystem and its partner brands |
| Reward System | NeuCoins (1 NeuCoin = ₹1) |
| Maximum Reward Rate | Up to 10% NeuCoins on select Tata Neu spends |
| Base Reward Rate (UPI) | 1.5% NeuCoins on UPI transactions (RuPay variant) |
| Forex Markup Fee | 1.99% |
| Domestic Airport Lounge Access | 8 complimentary visits per year, subject to ₹75,000 spend in previous calendar quarter (waived for first quarter) |
| International Airport Lounge Access | Complimentary access, no spend criteria |
| Fuel Surcharge Waiver | 1% on transactions between ₹400 and ₹5,000, up to ₹500 per month |
| Available Networks | RuPay and Visa |
| NeuCoins Validity | 12 months from the end of the month of earning (e.g., NeuCoins earned on August 3, 2025, expire August 31, 2026) |
| Insurance Transaction Limit (Neu App) | ₹25,000 (as of November 2025) |
| Accessible ATMs in India | Over 10,000 (via SBI Card network) |
| Card Launch Date | April 16, 2025 (SBI Card and Tata Digital partnership) |
This card offers significant value back for users deeply integrated into the Tata Neu platform, with its low forex charge and lounge benefits its appeal for frequent travelers.
Rewards & NeuCoins Earning
The Tata Neu Infinity SBI Credit Card offers up to 10% NeuCoins on select Tata Neu and partner brand spends, making IT a strong choice for frequent shoppers within the Tata ecosystem. Cardholders also earn a base rate of 1.5% NeuCoins on all other transactions, including UPI payments via the RuPay variant.
| Category | NeuCoins Earned | Details |
|---|---|---|
| Spends on Tata Neu and Partner Brands (select spends) | Up to 10% | Includes brands like Air India & Air India Express, Big Basket, Tata Cliq, Taj Hotels, Tata 1 MG, Titan & Tanishq, Croma, Westside, Qmin. This combines 5% assured NeuCoins with an additional 5% on select Tata Neu purchases. |
| Spends on Tata Neu and Partner Brands (assured) | 5% | Assured 5% NeuCoins on brands such as Air India & Air India Express, Big Basket, Tata Cliq, Taj Hotels, Tata 1 MG, Titan & Tanishq, Croma, Westside, and Qmin. |
| All other spends | 1.5% | Applicable on general transactions. This includes UPI transactions for RuPay variant users. |
| UPI transactions (RuPay variant) | 1.5% | This benefit is capped at 500 NeuCoins per month for UPI spends. |
| Joining Benefit | 1,499 NeuCoins | Received upon payment of the joining fee and completion of the first transaction within 30 days of card issuance. Each NeuCoin is equivalent to Re. 1. |
| Grocery transactions | Up to 10% | Monthly capping of 2,000 NeuCoins applies to grocery spends. |
| Insurance transactions | Up to 10% | Monthly capping of 2,000 NeuCoins applies. As of November 2025, the limit for insurance transactions via the Neu app is ₹25,000. |
| Utility transactions | Up to 10% | Monthly capping of 2,000 NeuCoins applies to utility bill payments. |
| Telecom/Cable spends | Up to 10% | Monthly capping of 2,000 NeuCoins applies to telecom and cable service payments. |
| Fuel Spends | No NeuCoins | NeuCoins are not accrued on fuel transactions. However, a 1% fuel surcharge waiver is available for transactions between ₹400 and ₹5,000, capped at ₹500 per month. |
NeuCoins earned with the Tata Neu Infinity SBI Card are valid for 12 months from the end of the month in which they were earned; for example, NeuCoins earned on August 3, 2025, are valid until August 31, 2026.
Fees, Charges & Eligibility
The Tata Neu Infinity SBI Credit Card carries a joining fee of ₹1,499 plus taxes, with an equivalent welcome bonus in NeuCoins. Its annual fee is also ₹1,499, which is waived if annual spending exceeds ₹3 lakh.
| Metric | Value (₹) | Details |
|---|---|---|
| Joining Fee | 1,499 | Plus applicable taxes; 1,499 NeuCoins welcome bonus upon fee realization |
| Annual Fee | 1,499 | Plus applicable taxes; Waived on spending ₹3 Lakh in a year |
| Annual Fee Waiver Criteria | Spend ₹3 Lakh | Required annual spends for fee reversal |
| Forex Markup Fee | 1.99% | Applicable on international transactions |
| Fuel Surcharge Waiver | 1% | On transactions between ₹400 and ₹5,000, capped at ₹500 per month |
| Domestic Lounge Access | Complimentary | 8 visits per year, subject to spending ₹75,000 in the previous calendar quarter (waived for the first quarter) |
| International Lounge Access | Complimentary | 4 visits per year (1 per quarter) with Priority Pass; US $27 + GST for additional visits |
| Age Eligibility | 21-65 years | For self-employed individuals; minimum 21 years for salaried |
| Nationality | Indian Resident | Applicable for all applicants |
| Annual ITR Eligibility | 12,00,000 | For self-employed individuals; specific income criteria apply for salaried applicants |
| UPI Transaction Rewards | 1.5% NeuCoins | Base reward rate on UPI spends for RuPay variant |
The card’s eligibility criteria include Indian residency and specific age and income requirements, particularly for self-employed applicants. Ensure you meet the annual spend threshold to benefit from the annual fee waiver.
Key Benefits & Features
The Tata Neu Infinity SBI Credit Card offers up to 10% NeuCoins on select Tata Neu spends, making IT a strong choice for frequent shoppers within the Tata ecosystem. This premium card provides value-back across categories like travel, shopping, and groceries, redeemable at partner brands such as Air India, BigBasket, and Croma.
- Accelerated NeuCoins: Cardholders earn up to 10% NeuCoins on specific transactions made through the Tata Neu app, including purchases from BigBasket, Croma, AirAsia India, and 1mg.
- Wider Redemption Network: NeuCoins can be redeemed across a broad range of Tata brands, including Air India Express, Westside, Tata CLiQ, IHCL Hotels, Qmin, Tanishq, and Titan.
- Low Forex Markup: The card features a competitive 1.99% forex markup fee on international transactions, reducing costs for global spending.
- Fuel Surcharge Waiver: A 1% fuel surcharge waiver applies to transactions between ₹500 and ₹4,000, with a maximum waiver of ₹500 per billing cycle.
- Domestic Lounge Access: Enjoy 8 complimentary domestic airport lounge visits per year, subject to spending ₹75,000 in the previous calendar quarter (waived for the first quarter).
- International Lounge Access: The card provides complimentary international airport lounge access without any prior spending criteria.
- RuPay Variant Benefits: The RuPay variant offers a base reward rate of 1.5% on UPI spends, in addition to standard rewards on other transactions.
- Annual Fee Waiver: The annual fee of ₹1,499 + GST is waived if annual spends reach ₹3 lakh, providing significant savings for high spenders.
This card is designed for individuals who frequently engage with Tata brands and seek full rewards and travel benefits within India and internationally.
Lounge Access & Travel Perks
The Tata Neu Infinity SBI Credit Card offers substantial travel benefits, including complimentary access to both domestic and international airport lounges. Cardholders can also benefit from a low foreign exchange markup fee of 1.99% on international transactions.
- Domestic Lounge Access: Cardholders receive 8 complimentary domestic airport lounge visits per year. This benefit requires a minimum spend of ₹75,000 in the previous calendar quarter.
- First Quarter Waiver: The spend-based eligibility for domestic lounge access is waived for the first quarter immediately following card issuance.
- International Lounge Access: The card provides complimentary international airport lounge access without any specific spending criteria.
- Forex Markup Fee: A competitive 1.99% foreign exchange markup is applied to all international card usage, which is lower than many other premium cards.
- Fuel Surcharge Waiver: Cardholders get a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000. The maximum waiver is capped at ₹500 per billing cycle.
- Worldwide Acceptance: The Tata Neu Infinity SBI Card is accepted globally at numerous merchant outlets and provides access to over 10,000 ATMs in India.
- Travel-focused Rewards: Beyond lounge access, the card offers up to 10% NeuCoins on select Tata Neu spends, including travel bookings via Air India and IHCL Hotels.
These travel benefits make the Tata Neu Infinity SBI Credit Card a strong option for frequent travelers within India and abroad.
SBI Tata Neu Infinity vs Plus
The Tata Neu Infinity SBI Card is the premium variant, offering d rewards and travel benefits compared to the Tata Neu Plus SBI Card. Both cards provide NeuCoins on Tata Neu ecosystem spends, but the Infinity variant offers up to 10% value back, while the Plus card provides up to 7% NeuCoins.
| Feature | Infinity Card | Plus Card |
|---|---|---|
| Card Type | Premium/Elite variant | Introductory/Base variant |
| Joining Fee (including GST) | ₹1,769 | ₹589 |
| Annual Fee (including GST) | ₹1,769 | ₹589 |
| Welcome Benefit | 1,499 NeuCoins (offsets joining fee) | 499 NeuCoins (offsets joining fee) |
| Reward Rate on Select Tata Neu Spends | Up to 10% NeuCoins | Up to 7% NeuCoins |
| Base Reward Rate (General Spends & UPI) | 1.5% NeuCoins | 1% NeuCoins |
| Domestic Airport Lounge Access | 8 complimentary visits per year (subject to ₹75,000 spend in previous quarter, waived for first quarter) | Not available |
| International Airport Lounge Access | 1 complimentary visit per quarter (via Priority Pass) | Not available |
| Foreign Exchange Markup Fee | 1.99% | 3.5% |
| Annual Fee Waiver Condition | Spend ₹3 Lakh in a year | Achieve spends of ₹100,000 in a year |
| Fuel Surcharge Waiver | 1% (on transactions ₹400-₹5,000, max ₹500/month) | 1% (on transactions ₹400-₹5,000, max ₹100/month) |
The Infinity card is designed for high spenders within the Tata ecosystem, offering significantly better rewards and travel benefits for a higher annual fee.
Tata Neu Infinity SBI vs HDFC
The Tata Neu Infinity SBI Credit Card and the Tata Neu Infinity HDFC Bank Credit Card both offer significant rewards within the Tata Neu ecosystem. Both cards carry an annual fee of ₹1,499, which can be waived by spending ₹3 lakh in a year.
| Feature | SBI Infinity | HDFC Infinity |
|---|---|---|
| Annual Fee | ₹1,499 + GST | ₹1,499 + GST |
| Annual Fee Waiver | Spend ₹3 Lakh in a year | Spend ₹3 Lakh in a year |
| Reward Rate on Tata Neu & Partner Brands | Up to 10% NeuCoins (select spends), 5% NeuCoins (assured) | Up to 10% NeuCoins (select spends), 5% NeuCoins (assured) |
| Reward Rate on Non-Tata Brand Spends & EMI Spends | 1.5% NeuCoins | 1.5% NeuCoins |
| Reward Rate on UPI Spends | 1.5% NeuCoins (max ₹500 NeuCoins/month) | 1.5% NeuCoins (max ₹500 NeuCoins/month) |
| Domestic Airport Lounge Access | 8 per year (spend ₹75,000 in previous quarter) | 8 per year (spend ₹50,000 in previous quarter) |
| International Airport Lounge Access | 4 per year (complimentary) | 4 per year (complimentary) |
| Forex Markup Fee | 1.99% | 2% |
| Fuel Surcharge Waiver | 1% (transactions ₹500-₹4,000, max ₹500/month) | 1% (transactions ₹400-₹5,000, max ₹500/month) |
| Joining Benefit | 1,499 NeuCoins (offsets joining fee) | 1,499 NeuCoins (offsets joining fee) |
| Eligibility (Min. Age) | 21 years | 21 years |
| Eligibility (Income) | Salaried/Self-employed (criteria varies) | Annual ITR of ₹12 lakh (for self-employed) |
Both cards offer similar core benefits, with the HDFC variant having a slightly lower spend requirement for domestic lounge access.
How to Apply for Tata Neu Infinity
Applying for the Tata Neu Infinity SBI Credit Card involves a straightforward online or offline process. Indian residents aged 21 to 65 years with an annual ITR of ₹12 lakh are generally eligible for this premium card.
Follow these steps to apply for the Tata Neu Infinity SBI Credit Card:
- Online Application: Visit the official SBI Card website for Tata Neu cards (sbicard.com/en/tataneu-eapply.page). Fill out the online application form with personal and financial details.
- Document Submission: Upload necessary documents such as identity proof (PAN card, Aadhaar), address proof, and income proof (ITR, salary slips). Ensure all documents are clear and valid as of 2026.
- Offline Application: Alternatively, visit any SBI bank branch to collect an application form. Complete the form and submit IT along with the required physical documents to a bank representative.
- Eligibility Check: SBI Card assesses your application based on your declared income, employment status, and CIBIL score. A strong credit history improves approval chances.
- Application Tracking: After submission, you can track your application status online using the reference number provided by SBI Card.
- Card Issuance: Upon successful verification and approval, the Tata Neu Infinity SBI Credit Card will be dispatched to your registered address.
The application process is designed for convenience, allowing both Tata employees and non-Tata employees to apply easily.
Key Takeaways
- The Tata Neu Infinity SBI Credit Card offers up to 10% NeuCoins on select Tata Neu spends, making IT ideal for frequent users of Tata brands.
- Cardholders can enjoy 8 complimentary domestic airport lounge accesses annually, subject to a spend of ₹75,000 in the previous calendar quarter (waived for the first quarter).
- The card carries a joining fee of ₹1,499 + GST, which is offset by 1,499 NeuCoins as a welcome benefit. The annual fee can be waived by spending ₹3 lakh in a year.
Check your eligibility and apply for the Tata Neu Infinity SBI Credit Card directly on the official SBI Card website.
Frequently Asked Questions (FAQs)
What are the main benefits of the Tata Neu Infinity SBI Credit Card?
The Tata Neu Infinity SBI Credit Card offers up to 10% NeuCoins on select spends within the Tata Neu ecosystem, including brands like Air India, BigBasket, Croma, and Westside. Cardholders also receive complimentary domestic and international airport lounge access, along with a low forex markup fee of 1.99%.
How do I earn NeuCoins with the Tata Neu Infinity SBI Credit Card?
You earn NeuCoins by using your card for purchases, with accelerated rates on Tata Neu and its partner brands. For instance, you get an assured 5% NeuCoins on brands like Air India, BigBasket, and Taj Hotels, and up to 10% on select Tata Neu spends. Each NeuCoin is valued at ₹1 for redemption.
Does the Tata Neu Infinity SBI Credit Card offer airport lounge access?
Yes, the Tata Neu Infinity SBI Credit Card provides complimentary domestic and international airport lounge access. For domestic lounge access, you need to spend ₹75,000 in the previous quarter, though this requirement is waived for the first quarter after card issuance.
What is the annual fee for the Tata Neu Infinity SBI Credit Card?
The Tata Neu Infinity SBI Credit Card typically has an annual fee, which can be waived if you meet a specific spending threshold in the preceding year. As of 2026, many cardholders can get the annual fee waived by spending ₹3 lakh or more annually.
Can I earn rewards on UPI transactions with the Tata Neu Infinity SBI Credit Card?
Yes, if you opt for the RuPay variant of the Tata Neu Infinity SBI Credit Card, you can earn a base reward rate of 1.5% as NeuCoins on UPI transactions. This is in addition to the regular rewards earned on other spends.
What is the forex markup fee on the Tata Neu Infinity SBI Credit Card?
The Tata Neu Infinity SBI Credit Card features a competitive forex markup fee of 1.99% on international transactions. This is lower than the standard 3.5% to 4% charged by many other credit cards in India, making IT beneficial for overseas travel.
Which Tata brands offer accelerated rewards with this credit card?
The card offers accelerated rewards on a wide range of Tata brands including Air India, Air India Express, BigBasket, Tata Cliq, Taj Hotels, Tata 1MG, Titan, Tanishq, Croma, Westside, and Qmin. You can earn up to 10% NeuCoins on select spends within the Tata Neu app.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.