Tata Neu Plus SBI Card
Fees
₹499 + Taxes
Joining & annual
Reward Rate
5% NeuCoins on Tata Neu App/Website + partner brands; 2% on other Tata brand purchases; 1% on other spends including UPI
Welcome Bonus
499 bonus NeuCoins on joining fee payment
Lounge
1 Domestic/Qtr (₹50K Spend)
Our Expert Take
The Tata Neu Plus SBI Card from SBI Card offers Tata Neu Ecosystem Shoppers with an annual fee of ₹499 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
1% NeuCoins on UPI (RuPay)
Max 500 NeuCoins per month
Reached after about ₹50,000 of spend
Where this card earns most
Paying directly in the app or site · 1% on other spends
Pros & Cons
Key Advantages
- Up to 7% value-back on select Tata Neu ecosystem brands like Tata 1mg, BigBasket & Croma
- 499 bonus NeuCoins on joining, offsetting the fee in year one
- 1% fuel surcharge waiver on transactions between ₹500-₹4,000
- Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)
Limitations
- Lounge access requires ₹50,000 spend in the preceding quarter
- Base reward rate on non-Tata spends is just 1%
- Rewards are most valuable when redeemed within the Tata Neu ecosystem
Key Perks & Spending Milestones
Accelerated earn rate on rewards purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹1 Lakh annual retail spends
Fees & Charges
Joining fee
₹499 + Taxes
Annual fee
₹499 + Taxes
Annual fee waived on ₹1 Lakh annual retail spends
Interest rate
Up to 3.75% per month (45% per annum)
Late payment fee
Nil up to ₹100; ₹100 for ₹101-₹500; ₹500 for ₹501-₹1,000; ₹750 for ₹1,001-₹10,000; ₹950 for ₹10,001-₹25,000; ₹1,100 for ₹25,001-₹50,000; ₹1,300 above ₹50,000
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the NeuCoins rate on Tata Neu Plus SBI Card?
Does Tata Neu Plus SBI Card offer lounge access?
How is the welcome benefit structured?
Compare Tata Neu Plus SBI Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Tata Neu Plus SBI Card This Card | ₹499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands; 2% on other... | 1 Domestic/Qtr (₹50K Spend) | 4.2/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |