HomeCredit CardsTata Neu Plus SBI Credit Card
Tata Neu Plus SBI Credit Card

SBI Card

Tata Neu Plus SBI Credit Card

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Annual Fee

₹589₹499 + GST

Base Reward

1% NeuCoins

Foreign Markup

3.5%

Apply Now
4.4/5
VerifiedLast updated 26 May 2026

Welcome Benefits

499 NeuCoins

Product Highlights

  • Ideal for beginners
  • Great rewards on Tata spends

Category Rewards

Specialty

1% NeuCoins on UPI transactions (RuPay variant)

1X

Fee Waiver

Annual Fee Reversed on Spends of ₹1 Lakh

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
Tata Neu

Tata Neu

2% NeuCoins on Tata Neu app (NeuPass partner brands)

2X
BigBasket

BigBasket

2% NeuCoins on Tata Neu app (NeuPass partner brands)

2X
Croma

Croma

2% NeuCoins on Tata Neu app (NeuPass partner brands)

2X
Tata CLiQ

Tata CLiQ

2% NeuCoins on Tata Neu app (NeuPass partner brands)

2X
Westside

Westside

2% NeuCoins on Tata Neu app (NeuPass partner brands)

2X
Tanishq

Tanishq

2% NeuCoins on Tata Neu app (NeuPass partner brands)

2X
Titan

Titan

2% NeuCoins on Tata Neu app (NeuPass partner brands)

2X

Reward Calculator

Earns ₹1,691/year (net)

Modest gain. Solid hold if you like the perks.

Monthly spend

₹16K

across all your buckets

Points / yr

2.3K

NeuCoins

Best worth

₹2.3K

via standard

Effective rate

1.19%

Annual fee

₹589

Year 1 net

+₹1,691

Year 2+ net

+₹1,691

ongoing

Adjust your spend by reward bucket

3 buckets
2.00%2% NeuCoins on Tata Neu app (NeuPass partner brands)
₹3,000/mo
Earns 60 neucoins / mo≈ ₹60 worth/mo
1.00%1% NeuCoins on UPI transactions (RuPay variant)
₹3,000/mo
Earns 30 neucoins / mo≈ ₹30 worth/mo
1.00%All other spends
₹10,000/mo
Earns 100 neucoins / mo≈ ₹100 worth/mo

Surcharges & 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–₹3,000 fuel txns · capped at ₹100/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 2% NeuCoins on spends made with Tata Neu and partner Tata brands. Earn 1% NeuCoins on all other eligible spends, including UPI.

Reward Points — Redemption Value
  • 1 NeuCoin = ₹1

Benefits & Features

Domestic: 1 Free Visit Each Quarter (Spends of ₹50,000 or More in the Previous Quarter) Free Domestic Airport Lounge Access after qualifying spends.

Pros & Cons

Pros

  • Affordable joining fee
  • Great rewards on everyday purchases via Tata Neu

Cons

  • Limited to domestic airport lounges
  • Spending requirement for lounge access

Additional Info

Excluded Categories

cash advancespayment of outstanding balancespayment of card fees and other chargesflexipayrentalgovernment-related transactionseducation payments

Partner Merchants

BigBasketTata 1mg

Ready to apply?

Apply directly on the bank's official website. Quick approval, no hidden steps.

Apply Now

Official bank website · Secure

Fees & Charges

Annual Fee₹499
Joining Fee₹499 + GST
Fee WaiverAnnual Fee Reversed on Spends of ₹1 Lakh
Foreign Markup3.5%
Interest Rate3.75% Per Month
Cash Advance2.5% or a Minimum of ₹500 (Whichever is Higher)

Eligibility

Networks

visarupay