Is SBI Tata Neu Infinity Credit Card the Best Credit Card for Tata Brand Shoppers?

In today's blog, we will provide you the information about the SBI Tata Neu Infinity Credit Card, mainly about its welcome benefits, cashback rate, and more. For more information, read below:

The SBI Tata Neu Infinity Credit Card is designed for people who like to get the most out of both shopping and rewards, especially within the Tata universe of brands. It’s closely tied to the Tata Neu app, which brings together big names like BigBasket, Croma, Air India, Tata 1mg, and several others under one digital roof. If you already shop or book services from these brands, this card turns those purchases into an opportunity to earn generous NeuCoins that you can redeem later for more shopping, travel, or services.

What makes it appealing is that it’s not just limited to Tata brands; you still earn rewards on other categories like dining, travel, and online spending. Real benefits lie in the accelerated benefits when you spend on Tata Neu or its partner brands. Over time, these extra rewards can add up quickly, especially for households that already rely on Tata services for their groceries, electronics, health needs, or travel.

The SBI Tata Neu Infinity Card comes with lifestyle perks like complimentary domestic airport lounge access, fuel surcharge waivers, and international transaction benefits, making it useful for more than just shopping.

In short, this is a card that works best for people who shop within the Tata ecosystem but still want an all-rounder credit card for everyday spending. It blends strong brand-based rewards with practical perks, making it a smart fit for regular shoppers and frequent travelers.

What Are The Welcome Benefits Of SBI Tata Neu Infinity Credit Card?

The SBI Tata Neu Infinity Credit Card offers 1,499 NeuCoins, equivalent to the joining fee amount, directly credited to your Tata Neu account.  This effectively neutralizes your first-year cost if you use the NeuCoins wisely on the Tata Neu platform. Additionally, you can get the annual fee waived from the second year onward by spending INR 3 lakh or more in the preceding year, making the card even more rewarding for regular users.

What About Lounge Access Benefits Of  SBI Tata Neu Infinity Credit Card?

• 8 domestic airport lounge visits/year (2 per quarter) – on INR 75K quarterly spend.

• 4 international lounge visits/year via Priority Pass (1 per quarter).

  

What Are The Reward Benefits of SBI Tata Neu Infinity Credit Card?

• Earn 1.5% NeuCoins on all other card spends, including shopping, dining, online purchases, etc.

• UPI transactions are also eligible for 1.5% if you have the RuPay variant.

What Are The Pros of Having An SBI Tata Neu Infinity Credit Card?

• High Reward Rate (Up to 10% NeuCoins): Earn 5% NeuCoins on Tata brand purchases via the Tata Neu app/website.

• Get an additional 5% NeuCoin top-up, totaling up to 10% effective reward.

•  1.5% Rewards on All Other Spends: if you choose the RuPay variant during the transaction.

• Complimentary Lounge Access

• Annual Fees Waiver

  
  

What Are The Cons of Having An SBI Tata Neu Infinity Credit Card?

• High Annual Spend for Fee Waiver

• Lounge Access Requires Prior Spend

• Neucoins will Expire After 12 months if unused.

• UPI Rewards Only on RuPay Variant

• Limited Use Outside Tata Ecosystem.

Network Type: Visa Signature And Rupay Select

Visa Signature is a globally recognized payment network, accepted in almost every country and on most international websites. It comes with premium perks like concierge services, airport lounge access, and global travel offers, making it ideal for people who travel abroad or shop on international platforms.

RuPay Select, on the other hand, is India’s payment network and is steadily expanding its reach worldwide. It often comes with strong domestic benefits, such as wellness offers, fitness memberships, and lounge access within India. For people who mostly spend within the country, RuPay Select can be just as rewarding while also supporting a homegrown network.

By offering both options, SBI gives customers the flexibility to pick a network that fits their lifestyle, whether that’s enjoying Visa’s global privileges or tapping into RuPay’s India-focused advantages. The core card benefits remain the same; it’s the network-specific extras that differ, letting you tailor the card experience to your needs.

Fees And Charges:

• Joining fees: INR 1499/- plus taxes. On spending INR 3,00,000 or more in a year, the renewal fee can be waived.

• Annual fees: NIL

• Cash advance fees: 2.5% or  INR 500, whichever is higher. 

• Late payment fees: INR 400 to 1300

• Interest rate: 3.50% monthly, 42% annually. 

Eligibility:

There are certain basic criteria that all applicants must fulfil.

For example:

Minimum Age – 21 years

Maximum Age – 70 years

Occupation – Salaried or Self-Employed

Other Criteria – Regular source of Income, Good credit score, etc.

What Are The Joining And Annual Fees Of SBI Tata Neu Infinity Credit Card?

• Joining Fees: INR1,499 + GST

• Annual fees: INR 1,499 + GST (waived on annual spends of INR 3 lakh)

• Foreign currency markup: 1.99% + GST

• Cash advance fees: 2.5% of the amount (minimum INR 500)

• Reward redemption fees: INR 99 + GST per redemption

• Interest rate: 3.5% per month (42% annually)

  
  

Conclusion:

The SBI Tata Neu Infinity Credit Card is a smart choice for anyone who already spends a good portion of their budget within the Tata brand family. The way it rewards purchases on Tata Neu and its partner brands makes it easy to rack up NeuCoins, and since those coins can be used across a wide range of services, from groceries to gadgets to flights, they feel genuinely useful rather than just being “points” you forget about.

What makes the card even more appealing is that it isn’t locked into just one kind of spending. You still get solid rewards and useful perks on everyday categories like dining and travel, along with extras like airport lounge access and fuel surcharge waivers.

Users will get maximum value if you’re a regular Tata Neu app user or often shop from brands like BigBasket, Croma, or Air India. If that’s you, the accelerated earning rate can easily justify the card’s annual fee and turn your usual spending into a steady flow of benefits.

In the end, this is not just a rewards card it’s a loyalty booster for people already in the Tata ecosystem, with enough extra perks to make it a solid everyday card too. Use it consistently where it matters, and it can become a reliable partner for both your shopping and lifestyle needs.

If you want to know the unbiased AI score of all the SBI Tata Neu Infinity Credit Cards, read their detailed review, click here