Tata Neu Infinity SBI Card
SBI
₹1,499
Joining fee
₹1,499, waived at ₹3L spend
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Reward details
1.5% value-back on other purchases and UPI transactions (RuPay variant only)
- 5% value-back as NeuCoins, plus an additional 5% on select Tata Neu categories (up to 10% potential combined) on Tata Neu and partner brands
Welcome bonus: 1,499 NeuCoins (equivalent to joining fee value) credited upon fee payment
Category caps
- UPI rewards: 500 NeuCoins/month
- Grocery, insurance, utilities, telecom: 2,000 NeuCoins/month each
Redemption
Redeemable only at Tata Neu and partner brands (restricted ecosystem)
Ratio: 1 NeuCoin = Rs 1
Excluded from rewards: fuel, wallet loads, rent, gift cards, cash advances, government transactions, education payments
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Accelerated benefits on Tata Neu and partner-brand spends covering major categories — Paisabazaar
- Welcome bonus offsets the joining fee — Paisabazaar
- 1:1 redemption ratio on partner merchants — Paisabazaar
Complaints
- Domestic lounge access is spend-conditional (Rs 75,000 quarterly threshold) — Paisabazaar
- Reward redemption limited to the Tata ecosystem, restricting overall value for non-Tata shoppers — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass — figures drawn entirely from aggregator
- Aggregator — fees, forex, lounge, rewards, sentiment