SBI Card
Tata Neu Infinity SBI Credit Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
1.5% points
Foreign Markup
1.99% + GST
Welcome Benefits
1,499 NeuCoins
Product Highlights
- Co-branded card with Tata Neu
- Spend-based access to domestic airport lounges
- Low Forex charge of 1.99%
Category Rewards
Specialty
1.5% NeuCoins on UPI transactions
1.5X
Fee Waiver
Annual Fee Reversed on Spends of ₹3 Lakh
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Tata Neu
5% NeuCoins on Tata Neu app (NeuPass partner brands)
BigBasket
5% NeuCoins on Tata Neu app (NeuPass partner brands)
Croma
5% NeuCoins on Tata Neu app (NeuPass partner brands)
Tata CLiQ
5% NeuCoins on Tata Neu app (NeuPass partner brands)
Westside
5% NeuCoins on Tata Neu app (NeuPass partner brands)
AirAsia India
5% NeuCoins on Tata Neu app (NeuPass partner brands)
Tanishq
5% NeuCoins on Tata Neu app (NeuPass partner brands)
Titan
5% NeuCoins on Tata Neu app (NeuPass partner brands)
IHCL hotels
5% NeuCoins on Tata Neu app (NeuPass partner brands)
Tata 1mg
5% NeuCoins on Tata Neu app (NeuPass partner brands)
Qmin
5% NeuCoins on Tata Neu app (NeuPass partner brands)
Reward Calculator
Earns ₹2,371/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
4.1K
NeuCoins
₹4.1K
via standard
Effective rate
2.16%
Annual fee
₹1,769
Year 1 net
+₹2,371
Year 2+ net
+₹2,371
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn up to 10% NeuCoins on select spends made on Tata Neu with the Infinity SBI Credit Card. Get assured 5% NeuCoins on brands like Air India, Air India Express, Big Basket, Tata Cliq, Taj Hotels, Tata 1 MG, Titan, Tanishq, Croma, Westside, and Qmin.
- NeuCoins are Transferred to the Primary Cardholder’s NeuPass Account. 1 NeuCoin = ₹1
Benefits & Features
Domestic: 2 Free Visits Each Quarter (Spends of ₹75,000 or More in the Previous Quarter) International: 4 Free Visits to International Airport Lounges Each Year (No spending requirement for this benefit) Cardholders must bring their physical Priority Pass for international lounge access.
Pros & Cons
Pros
- Up to 10% NeuCoins on select categories
- Free international lounge access without spending requirement
Cons
- Spend-based access to domestic lounges
- High spending requirement for domestic lounge access
Additional Info
Important note 1
Note 2
Maximum limit for NeuCoins earning in various categories is ₹2,000 for Grocery, Insurance, Utility Transactions, Telecom and Cable, and ₹500 for UPI Spends.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Annual Fee Reversed on Spends of ₹3 Lakh