What is the welcome benefit?

You receive 1,499 NeuCoins on payment of the joining fee; NeuCoins are credited per issuer timelines. Note: NeuCoins are usually credited after the first statement generation once the joining fee is successfully charged. Timelines may vary based on SBI Card and Tata Neu processing cycles.

How do I redeem NeuCoins?

NeuCoins can be redeemed on Tata Neu app/website and participating Tata partner brands per Tata Neu redemption catalogue. Note: NeuCoins can be redeemed only within the Tata ecosystem through the Tata Neu app or website. Availability, partners, and redemption value may vary based on the Tata Neu catalogue.

Is there lounge access with the card?

Yes — domestic lounge access is available subject to previous quarter spends and issuer terms. Note: Domestic lounge access is not complimentary by default. Access is unlocked only after meeting SBI-specified quarterly or annual spend thresholds.

How can I get the annual fee reversed?

Annual fee reversal or waiver is offered on meeting specified annual spend thresholds as per SBI Card policy. Note: The annual fee is reversed only if the required yearly spend threshold is met. The spend amount and eligible transactions are defined by SBI and may change.

What is the forex markup fee?

Foreign currency markup is 1.99% on international transactions. Note: A 1.99% forex markup is applied on international spends. GST is charged additionally on the markup as per RBI rules.

Credit Cards/SBI Bank/Tata Neu Infinity SBI Credit Card

Tata Neu Infinity SBI Credit Card

SBI Bank

4.6

Expert Rating

fuelgroceryrestaurantse-commerceTatapartners

Annual Fee

₹1,499

Joining Fee

₹1,499

Forex Fee

1.99%

Lounge Access

10 visits/yr

A co-branded Tata Neu and SBI Card offering high NeuCoin earnings on Tata Neu spends and useful lifestyle perks. It includes lounge access, fuel surcharge waiver and flexible redemption across Tata partner brands. Ideal for frequent Tata ecosystem shoppers who want NeuCoin value back.

Features of Tata Neu Infinity SBI Credit Card which makes it unique

NeuCoin Ecosystem

Direct NeuCoin earnings and redemptions across Tata partner brands

High redemption flexibility within Tata ecosystem

Better Tata value compared with generic reward cards

Tiered Lounge Benefits

Lounge access based on spend milestones

Complimentary domestic lounge access for active spenders

Competitive lounge access for lifestyle users

Rewards Structure of Tata Neu Infinity SBI Credit Card

All Spends (Non-Tata Merchants)

base

All eligible retail spends

Reward Rate:1.5% NeuCoins

Monthly Cap:No monthly cap

Base reward rate for spends made outside the Tata Neu ecosystem.

Base Rewards Outside Tata: Spends on non-Tata merchants earn standard NeuCoins. This rate is lower compared to Tata partner spends and is best suited for incidental usage.

Tata Partner Brands (via Tata Neu App)

accelerated

Spends made through Tata Neu app on Tata partner brands

Reward Rate:10% NeuCoins

Monthly Cap:As per SBI Card fair usage policy

Includes BigBasket, Croma, Air India, IHCL, Tata Cliq, etc.

Maximum Value Category: This is where the card delivers its highest value. Users who frequently shop within the Tata ecosystem can extract significant NeuCoin benefits.

Grocery & Daily Needs (Tata Brands)

accelerated

BigBasket and Tata Neu grocery orders

Reward Rate:10% NeuCoins

Monthly Cap:Subject to Tata Neu limits

Higher rewards only when ordered via Tata Neu app.

Strong for Grocery Users: Ideal for households with regular grocery spends through BigBasket on Tata Neu.

Milestones of Tata Neu Infinity SBI Credit Card

Quarterly Lounge Milestone

₹50,000 (previous quarter) : Domestic lounge access eligibility (4/yr on meeting condition)

Spend-Linked Lounge Access: Complimentary domestic lounge access is unlocked only after meeting the quarterly spend requirement. If the spend threshold is not met in the previous quarter, lounge access will not be available for the current quarter.

Annual Fee Reversal

₹1,00,000 (previous year) : Annual fee reversal subject to issuer's policy

Spend-Based Annual Fee Waiver : The annual fee is reversed only if the required spend of ₹1,00,000 in the previous card year is met. Fee reversal is applied as per SBI Card’s prevailing policy and may not be instant.

Fees & Charges of Tata Neu Infinity SBI Credit Card

Fee & Amount	Fee Value
Joining Fee	₹1,499
Annual Fee	₹1,499
Forex Markup Fee	1.99%
Cash Advance Fee	0
Late Payment Fee	₹750
Over Limit Fee	₹500
Returned Payment Fee	₹350
Cash Withdrawal Fee	0%

Renewal Conditions:Fee reversal on specified annual spends as per issuer policy

Fee Explanation Standard bank rates and levies apply on overdue amounts and cash advances; refer to SBI Card full schedule of charges.

Lounge Access Benefits with Tata Neu Infinity SBI Credit Card

domestic Lounges

silver

Visits per year: 8

Guest access: No

Eligibility tied to previous quarter spends; check issuer for exact access rules

Spend-based Lounge Access: Domestic airport lounge access is available only after meeting the minimum spend criteria in the previous quarter, as defined by SBI Card. Guest access, lounge network, and visit limits may vary based on card variant and issuer policy.

international Lounges

silver

Visits per year: 2

Guest access: No

Subject to specific offers and network privileges

International Lounge Access via Network Benefits : International lounge access is provided through partnered lounge networks and is subject to card network privileges and prevailing offers. Visit eligibility, guest access, and participating lounges may vary by country and are governed by the issuer and network terms.D

Insurance Coverage with Tata Neu Infinity SBI Credit Card

Travel Insurance

₹5,00,000

On ticket booked fully using card; check policy document for details

Card-linked Travel Insurance Cover: Travel insurance coverage of up to ₹5,00,000 is available only when the entire travel ticket is booked using the Tata Neu Infinity SBI Credit Card. Coverage scope, inclusions, exclusions, and claim process are governed by the insurer’s policy document and issuer terms.

Purchase Protection

₹50,000

Covers eligible purchases for defined period

Purchase Protection Cover: Covers eligible purchases made using the Tata Neu Infinity SBI Credit Card against theft or accidental damage for a limited period from the transaction date. Coverage amount, claim window, exclusions, and eligible categories are subject to the insurer’s policy terms.

Additional Features of Tata Neu Infinity SBI Credit Card

Contactless Payments

Tap-to-pay supported where accepted

Quick Tap-and-Pay Payments: Supports contactless (NFC) tap-to-pay transactions at compatible terminals for faster checkout. PIN may be required for transactions above RBI-mandated limits. Feature availability depends on merchant acceptance and card network rules.

Add-on Cards

Add-on cards available as per issuer rules

Add-on Cards for Family Members: Allows the primary cardholder to issue add-on cards to family members as per issuer rules. All spends made on add-on cards are billed to the primary card account, and rewards are consolidated. Issuance limits, eligibility, and fees (if any) are defined by the bank.

Welcome Bonus with Tata Neu Infinity SBI Credit Card

Welcome Bonus: 1,499 NeuCoins on payment of joining fee
Bonus Conditions: NeuCoins credited after payment of joining fee; 1 NeuCoin = ₹1. See issuer T&Cs.

Application Process for Tata Neu Infinity SBI Credit Card

Processing Time

5-7 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via SBI Card portal or Tata Neu application flow

Online Application: Apply through the SBI Card website or the Tata Neu app. Choose the Tata Neu Infinity SBI Credit Card, fill in basic details, and submit the application digitally.

Complete KYC and upload documents

KYC & Document Submission : Complete KYC by uploading required documents such as PAN, Aadhaar, and income proof (if applicable). Video or Aadhaar-based KYC may be available for faster processing.

Receive verification call or OTP verification

Verification & Approval: Verification is done via OTP, phone call, or digital checks. Once approved, the card is issued and dispatched, with tracking details shared via SMS or email.

Card dispatched within 5-7 business days upon approval

Card Issuance & Delivery: After successful verification and approval, the physical credit card is dispatched to the registered address. Delivery usually takes 5–7 business days, depending on location and courier timelines.

Required Documents for Tata Neu Infinity SBI Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Mandatory Identity Verification: A valid government-issued ID is required for identity verification as per RBI KYC norms. PAN is mandatory for credit cards, while Aadhaar may be used for address and digital KYC verification.

Address Proof

all

Accepted documents:

Passport Utility Bill

Residential Address Verification: A valid address proof is required to verify the applicant’s current residential address as per RBI KYC guidelines. The document should be recent and clearly display the applicant’s name and address. Utility bills must generally be within the last 3 months.

Income Proof

salaried

Accepted documents:

Payslip Form 16

Salary Income Verification: Income proof is required to assess the applicant’s repayment capacity and eligibility for the credit card. Recent payslips or Form 16 should clearly mention the employer’s name, applicant’s name, and income details. Issuer may request additional documents if income does not meet minimum criteria.