Tata Neu Plus SBI Credit Card

₹589 plus GST, waived on ₹1,00,000 of annual spend.

The strongest published rate is 5% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.

No — airport lounge access is not offered on this card.

Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.

The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.

Redeemed through the issuer's rewards programme as published on the card's product page

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

2% in NeuCoins on spending through the Tata Neu app and at partner Tata brands, with up to 5% on selected Tata Neu categories. Everything else earns 1%, and UPI transactions on the RuPay variant can reach up to 1.5%. A NeuCoin is worth Rs. 1 inside the Tata Neu ecosystem, so those percentages are directly comparable with cashback.

Yes, at Rs. 1,00,000 of annual spending, which is about Rs. 8,350 a month. The joining fee is handled differently and better: pay the Rs. 499 and 499 NeuCoins are credited back, so the first year costs only the GST on the fee.

Only inside the Tata Neu ecosystem — the Tata Neu app and partner Tata brands. They cannot be taken as cash or credited to the statement. That is the card's real boundary: if your shopping is already largely with BigBasket, Croma, Westside or Tata 1mg, the NeuCoins are as good as money; if it is not, they are harder to use than cashback.

The Infinity pays roughly double on the same Tata spending and adds lounge access, for a higher annual fee. The Plus makes sense if your Tata spending is moderate or if you mainly want the UPI rate; the Infinity makes sense once Tata spending is high enough that the extra percentage outruns the extra fee.

No airport lounge access is published for this card. The Tata Neu Infinity is the variant that carries it. If lounge visits matter more than the Tata reward rate, the SBI Prime and the Axis Atlas are both stronger on that front.

Up to 3.75% a month, which is 45% a year, with a minimum charge of Rs. 25. The interest-free period runs 20 to 50 days depending on when in the cycle the purchase falls, and it only applies if the previous bill was settled in full.