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Credit Cards · India

Tata Neu Plus SBI Card

Updated 5 Jul 2026Source-linked

The Tata Neu Plus SBI Card is a entry co-branded credit card from SBI Card and Tata Neu, with a joining fee of ₹499 + GST.

It earns up to 7% on Tata Neu spends in the form of cashback.

Cardholders get 4 annual domestic airport lounge access, plus 499 neucoins (1 neucoin = re. 1) as a welcome benefit.

SBI Card logo
Tata Neu Plus SBI Card
RuPay logo
  • Joining Fee₹499
  • Annual Fee₹499
  • Best Suited ForCo-brand rewards
  • Reward TypeCashback
Rewards Rate
  • 2% on tata neu and partner tata brands
  • 7% on tata neu select categories (cap 2000 points / monthly)
  • Base 0.95% on other spends
Welcome Benefits
  • 499 NeuCoins (1 NeuCoin = Re. 1)
Data verified 5 Jul 2026 — see our methodology
SBI Card logoSBIRuPay logoentryCo-brand · Tata Neu ↗
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Rewards and Benefits

Rewards Rate
2% on tata neu and partner tata brands
7% on tata neu select categories (cap 2000 points / monthly)
Base 0.95% on other spends.
Reward Redemption
Redeem at ₹1 per unit.
Welcome Benefits
499 NeuCoins (1 NeuCoin = Re. 1)
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each annual on making spends of ₹50,000 in the previous quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹150/mo

    Online shopping — earns base; accelerated rate needs booking via tata-neu

  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 1.0% = ₹40/mo
  • Travel & hotels₹10,000 · 1.0% = ₹100/mo
  • Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹6,000/yr

₹6,000 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per statement.
Cash Advance Charges
N/A

Product Details

  • Co-branded entry card by SBI Card and Tata Neu.
  • Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
  • Available on the RuPay network.
  • Complimentary airport lounge access: domestic (4/annual).

Pros & Cons

Pros
  • Annual fee waivable on ₹1,00,000 spend.
  • Complimentary domestic airport lounge access (4/annual).
  • Accelerated earn worth ≈7.0% on tata neu select categories.
Cons
  • Standard forex markup of 3.50% — suboptimal for international spend.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹499 welcome benefit

  • 499 NeuCoins (1 NeuCoin = Re. 1)
    Within 15 days of joining fee realisation
    Window: 15 days from issuance.

Accelerated rewards

  • 2% on tata neu and partner tata brands
    Merchants: tata-neu
    2% value back as NeuCoins on non-EMI spends at Tata Neu App/Website and partner Tata brands.
  • 7% on tata neu select categories (cap 2000 points / monthly)
    Merchants: tata-neu
    +5% select-category NeuCoins capped per category/month (grocery 1,000; utility/telecom/insurance 2,000; UPI 500). Base 2% Tata Neu uncapped.
Capping rules
  • Accelerated accrual applies only to non-EMI spends. NeuCoins auto-credited to NeuPass account.

Exclusions

The following spend categories earn no rewards on this card:

  • emi

Airport lounge access

Domestic
4 visit(s) / annual.
Unlocks after ₹50,000 / quarterly spend.
4 per year (1 per quarter), each quarter's visit unlocked on Rs. 50,000 spend in the previous quarter.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per statement.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
700+
Income (salaried)
₹3,00,000 p.a.
Income (self-employed)
₹3,00,000 p.a.

Eligibility criteria not published on the product page; verify from MITC.

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