Tata Neu Infinity SBI Credit Card – Fees & Charges
| Fee / Charge Type | Amount / Details |
| Joining Fee | ₹1,499 + GST (welcome 1,499 NeuCoins credited) |
| Annual / Renewal Fee | ₹1,499 + GST |
| Foreign Transaction Fee | 1.99% on international transactions |
| Finance Charges (Interest) | Up to 3.75% per month (~45% p.a.) on outstanding balances |
| Late Payment Charges | ₹0 – ₹1,300 depending on outstanding amount |
| Cash Advance / ATM Fee | 2.5% of the amount or ₹500 (whichever is higher) |
| Over‑Limit Fee | 2.5% of the over-limit amount or ₹600 (whichever is higher) |
| Card Replacement Fee | ₹100 – ₹250 |
| Returned / Dishonour Payment Fee | ~2% of the amount (minimum ₹500) |
| Reward Redemption Fee | ₹99 on some redemptions |
| Cash Payment Fee | ₹250 + taxes |
| Utility Payment Fee | 1% if total utility spends exceed ₹50,000 in a billing cycle |
| Rent / Education Payment Fee | Around 1% for payments via third-party apps |
| Wallet Load Fee | 1% on wallet loads above ₹1,000 |
Tata Neu Infinity SBI Credit Card Eligibility CriteriaÂ
The Tata Neu Infinity SBI Credit Card has eligibility criteria you need to meet to get it.
- Your age should be between 21 and 65 years.
- This card is available for both salaried and self-employed individuals.
- If you are salaried, your monthly income should be more than ₹1,00,000.
- If you are self-employed, your annual income should be more than ₹12 lakh as per ITR.
- For better approval chances, your credit score should be around 720–750 or above.
Tata Neu Infinity SBI Credit Card – Pros & Cons
Pros |
Cons |
| Get up to 10% back when shopping at Tata brands. | Annual fee ₹1,499 + GST (High compared to other cards) |
| 1,499 NeuCoins as a welcome gift | Rewards mostly work with Tata brands |
| 4 international + 8 domestic lounge visits each year | Lounge visits aren’t useful if you travel rarely |
| 1.5% cashback on UPI payments | Cashback outside Tata brands is low |
| Low 1.99% fee on foreign transactions | High interest if the balance isn’t paid in full |
| Annual fee can be waived if you spend ₹3,00,000+ in a year | Some extra fees for cash payments or wallet top-ups |
Tata Neu Infinity SBI Credit Card Rewards & Benefits
Here are the rewards and benefits of this card to help you decide if it’s worth buying:-Â
- Welcome Benefit:- Upon paying the joining fee, you will receive 1,499 NeuCoins. Each NeuCoin is worth ₹1 and can be redeemed on the Tata Neu platform.
- Spending on Tata Brands:Â You can get 5% value back as NeuCoins on purchases from Tata brands like BigBasket, Croma, Air India, and Titan. In some selected categories, you can also earn an extra 5% bonus, bringing the total rewards to 10%.
- Â Foreign Transaction Charges:- When you use this card internationally, it charges a low foreign currency mark-up fee of just 1.99%.
- Domestic and International Lounge access:– With this card, you get 8 free domestic and 4 international airport lounge visits in a year, so you can relax and sit comfortably before your flight.
- Annual Fee Waiver: You have to pay ₹1,499 per year for this card, but if you spend ₹3 lakh or more in a year, the bank will waive this fee, so you don’t have to pay it.
- Fuel Surcharge Waiver:- While filling fuel, if you make payments between ₹500 and ₹4,000 at petrol pumps anywhere in India, you get a 1% fuel surcharge waiver. This benefit can help you save up to ₹500 in a billing cycle.
Tata Neu Infinity SBI Credit Card Review
The Tata Neu Infinity SBI Credit Card is a good option for you only if you already shop regularly on Tata platforms like BigBasket, Croma, or Air India. In that case, you can get great value with rewards of up to 10% in NeuCoins. It also offers lounge access, UPI rewards, and low international usage charges.
However, the biggest drawback is that most rewards are limited to the Tata ecosystem, and outside it you get only around 1.5% returns, which is quite average. If you prefer direct cashback or don’t use Tata services much, this card may not be very useful.Â
So, if you are not a Tata customer, you may not get the full benefit of this card, and there are better all-rounder credit cards available.
FAQs
Do I get any welcome benefits with the Tata Neu Infinity SBI Card?
Yes, as a welcome benefit, you will get 1,499 NeuCoins that can be used on TataNeu Platforms.
Is there a spending limit for using the lounge access benefits?
Yes, there is a spending condition to use domestic lounge access; you need to spend around ₹50,000 in 3 months, but international lounge access usually doesn’t require it.
Do I get cashback or reward points?
You don’t get direct cashback; you earn NeuCoins, which can be used on Tata platforms.
 Can I use this card for UPI payments?
Yes, you can use it for UPI payments and earn rewards on most transactions.