Complete review of SBI Tata Neu Plus and SBI Tata Neu Infinity Credit Cards. Know cashback rates, Neo Coins benefits, fees, lounge access, UPI cashback and step-by-step application details.
SBI Tata Neu Credit Cards Full Review 2025 – Complete Features & Cashback Benefits
SBI has launched two highly rewarding credit cards in partnership with the Tata Neu application. These cards offer excellent cashback, Neo Coins rewards, UPI benefits, and wide acceptance across Tata brands like Croma, Westside, Tanishq, Titan, BigBasket, Tata 1mg, and many more.
In this article, we explain the complete features of both cards, compare their benefits, and show you how to apply for them online from home.
Types of SBI Tata Neu Credit Cards
SBI currently offers two variants:
- SBI Tata Neu Plus Credit Card
- SBI Tata Neu Infinity Credit Card
Both cards work inside the Tata Neu ecosystem and reward you with Neo Coins for every purchase.
What is Tata Neu App?
Tata Neu is a shopping super-app similar to Amazon or Flipkart.
You can purchase:
- Clothing (Westside)
- Electronics (Croma)
- Groceries (BigBasket)
- Medicines (Tata 1mg)
- Watches (Titan)
- Jewellery (Tanishq)
- Hotels (Taj Hotels)
Every purchase rewards users with Neo Coins, even without a credit card.
Every user gets 5% base cashback (in Neo Coins) on Tata Neu purchases.
1 Neo Coin = ₹1.
Cashback Structure Without Any Credit Card
If you spend ₹1,000 on Tata Neu (groceries, clothes, electronics, etc.):
- You receive 5% Neo Coins = 50 coins
- These coins can be used for your next order
- Again, you earn 5% on the remaining payment
This continues for every purchase.
Cashback Benefits With SBI Tata Neu Credit Cards
When you use SBI Tata Neu credit cards inside Tata Neu App, you get extra cashback on top of the base 5%.
1. SBI Tata Neu Plus Credit Card
- 5% (Tata Neu default cashback) + 2% extra from card
- Total: 7% Neo Coins
2. SBI Tata Neu Infinity Credit Card
- 5% (Tata Neu default cashback) + 5% extra from card
- Total: 10% Neo Coins
Infinity card clearly gives maximum cashback, making it the most recommended option.
Visa or RuPay – Which Variant to Choose?
Both cards are available in Visa and RuPay variants.
Always choose RuPay.
Why?
Because RuPay cards can be linked to UPI apps and offer extra UPI cashback.
UPI Cashback (RuPay Variant Only)
When you link these cards to Tata Neu UPI:
Tata Neu Plus Credit Card
- 1% cashback on UPI transactions
- Monthly limit: ₹500 cashback
Tata Neu Infinity Credit Card
- 1.5% cashback on UPI transactions
- Monthly limit: ₹500 cashback
Important Rule
You must link your RuPay card only inside Tata Neu UPI.
If you link it on Google Pay or PhonePe: Card Cashback in Tata Neu UPI Cashback in GPay/PhonePe Tata Neu Plus 1% 0.25% Tata Neu Infinity 1.5% 0.5%
So always use Tata Neu UPI for full cashback.
Fees & Charges
1. Tata Neu Plus Credit Card
- Joining Fee: ₹499 + 18% GST
- Annual Fee: ₹499 + GST
- Welcome Benefit: 499 Neo Coins (joining fee is almost recovered)
2. Tata Neu Infinity Credit Card
- Joining Fee: ₹1499 + GST
- Annual Fee: ₹1499 + GST
- Welcome Benefit: 1499 Neo Coins
Both cards practically offer free joining because Neo Coins cover the joining fee amount.
EMI Cashback Conditions
If you convert Tata Neu purchases into EMI:
- Plus card: Cashback reduces from 2% to 1%
- Infinity card: Cashback reduces from 5% to 1.5%
Same rule applies for non-Tata products purchased outside the Tata Neu app.
Airport Lounge Access
Tata Neu Plus Credit Card
- 4 domestic lounge visits per year
- 1 visit per quarter
- Condition: Spend ₹500 in the previous quarter
Tata Neu Infinity Credit Card
- 8 domestic lounge visits per year (2 per quarter)
- Condition: Spend ₹75,000 in the previous quarter
- 4 international lounges per year (no conditions)
Infinity card offers premium travel benefits.
Annual Fee Waiver
If you want your annual fee to become free:
- Tata Neu Plus: Spend ₹1,00,000 in a year
- Tata Neu Infinity: Spend ₹3,00,000 in a year
Where Do You Earn Neo Coins?
Neo Coins are given on all Tata brands:
- Tata 1mg
- BigBasket
- Westside
- Tanishq
- Titan
- Croma
- Tata Play
- Taj Hotels
- Tata Cliq
- Air Asia (Tata)
Even without a credit card, purchases show the Neo Coins reward rate inside the Tata Neu app.
With the credit card, you simply get extra 2% or 5% depending on the variant.
Which SBI Tata Neu Card Should You Choose?
Recommended Card: Tata Neu Infinity Credit Card
Reasons:
- Highest cashback (10% inside app)
- Best UPI cashback (1.5%)
- International lounge access
- Higher long-term value
Choose Plus variant only if you want a low-fee beginner card.
How to Apply Online (Step-by-Step)
- Install Tata Neu app (Android/iOS)
- Go to Finance → Credit Cards
- Select SBI Tata Neu Plus or Infinity
- Choose the RuPay variant
- Complete KYC
- Submit income documents (if asked)
- Card will be delivered to your address