2% NeuCoins on Tata Brands + 1% on UPI with 4 Domestic Lounges at Just ₹499
Value-seeking consumers who shop regularly on BigBasket, Croma, 1mg, Westside, and Tata CLiQ and want an affordable ₹499 card with lounge access and RuPay UPI support.
₹499
One-time upfront₹499
Waived on ₹1 lakh annual spend2% NeuCoins on Spends Made With Tata Neu and Partner Tata Brands. 1% Neu Coins on All Other Eligible Spends, Including UPI (RuPay Variant)
On eligible spends1 Domestic visits/quarter
Complimentary visitsLast verified 10 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Tata Neu Plus SBI Credit Card provides an accessible, budget-friendly entry point into India's largest conglomerate rewards network. Positioned at a modest ₹499 annual fee, it rewards cardholders with 2% back in NeuCoins on all non-EMI spends across the Tata Neu application and partner brands—including BigBasket, Croma, Tata 1mg, Westside, Tata CLiQ, and Air India. With 1 NeuCoin equating precisely to ₹1 in purchasing power across Tata outlets, there is zero ambiguity in value realization. On general spends outside the ecosystem—as well as RuPay UPI payments—the card delivers a flat 1% return in NeuCoins. A major highlight at this price point is the inclusion of 4 complimentary domestic airport lounge visits per calendar year (1 per quarter), a rare feature for sub-₹500 credit cards in 2026. The ₹499 joining fee is immediately offset by 499 welcome NeuCoins, and spending ₹1,00,000 annually waives the renewal fee entirely. The main distinction between the Plus and the premium Infinity variant is earning velocity: the Infinity variant offers 5% on Tata brands and 1.5% on other spends, alongside international Priority Pass access. Spenders with heavier grocery, electronics, and flight budgets through Tata channels will quickly outgrow the 2% rate and derive greater net value from the Infinity tier. However, for casual Tata shoppers seeking UPI linkage and airport lounges at minimum overhead, the Tata Neu Plus SBI Card hits the sweet spot.
2% NeuCoins on Spends Made With Tata Neu and Partner Tata Brands. 1% Neu Coins on All Other Eligible Spends, Including UPI (RuPay Variant)
499 NeuCoins
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Tata Neu App & Partner Brands (Tata 1mg, BigBasket, Croma, Air India Express, Westside) | 2% NeuCoins back (plus 5% NeuPass member benefit = 7% total valueback) | No Cap | Standard terms apply |
| Other Merchant Spends & UPI | 1% NeuCoins on other eligible retail spends (1 NeuCoin = ₹1.00) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Tata Neu App & Partner Brands (Tata 1mg, BigBasket, Croma, Air India Express, Westside) | ₹12,000 | 2% NeuCoins back (plus 5% NeuPass member benefit = 7% total valueback) | — | None | Calculating... | Under cap |
| Other Merchant Spends & UPI | ₹18,000 | 1% NeuCoins on other eligible retail spends (1 NeuCoin = ₹1.00) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹499 + 18% GST (accompanied by 499 Welcome NeuCoins upon fee payment). • Annual Renewal Fee: ₹499 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹1,00,000 or more in the preceding anniversary year. • Tata Ecosystem Spends: 2% back as NeuCoins on non-EMI spends on Tata Neu app and partner Tata brands. • General & UPI Spends: 1% back as NeuCoins on all other eligible retail and UPI transactions. • NeuCoin Valuation: 1 NeuCoin = ₹1. Redeemable at checkout across Tata Neu partner brands. • Domestic Lounge Access: 4 complimentary domestic airport lounge visits per calendar year (1 per calendar quarter). • International Lounge Access: No international lounge access included. • Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 across petrol pumps in India. • Foreign Currency Markup: 3.50% + GST on international transactions. • Finance Charges (APR): 3.50% per month (42.0% annualized) on revolving balances.
Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Tata Neu Plus SBI Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official SBI Card portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
From 25 November 2026, NeuCoins earned on Tata Neu Infinity and Plus HDFC credit cards will no longer transfer automatically. Cardholders must manually claim them within 12 months or they expire. We explain the new rule, the hidden 2-year validity upside, and how HDFC compares with SBI.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: Flipkart and Myntra loyalists who want automatic statement cashback on everyday e-commerce, food delivery, and entertainment spends.
Rewards: 5% Cashback for Spends on Flipkart and Cleartrip. 7.5% Cashback for Myntra Spends and 4% Cashback for Spends on Other Partners, Such as Zomato, Netmeds, PVR, and Uber
Renewal fee waived on ₹3,50,000 annual spend
Last verified 10 Sept 2026
Best for: Tata ecosystem loyalists who shop across Croma, BigBasket, Westside, Air India, and Tata CLiQ and want combined lounge access with a low 1.99% forex markup.
Rewards: 5% NeuCoins on Spends Made With Tata Neu and Partner Tata Brands. 1.5% Neu Coins on All Other Eligible Spends Including UPI (RuPay Variant)
Lounge access: 2 Domestic visits/quarter + 4 International visits/year
Forex markup: 1.99% Low Forex
Renewal fee waived on ₹3,00,000 annual spend
Last verified 10 Sept 2026
Best for: Value-conscious consumers, BigBasket/1mg shoppers, and UPI spenders seeking an affordable entry point into the Tata Neu rewards ecosystem.
Rewards: 1% NeuCoins on Non-Tata & UPI spends
Lounge access: 4 Domestic visits/year · ₹50k quarterly spend required
Renewal fee waived on ₹1,00,000 annual spend
Last verified 16 Sept 2026
Best for: Ultra-high-net-worth individuals, luxury frequent flyers, and high spenders seeking the highest reward return on travel bookings in India.
Rewards: 5 Reward Points per ₹150 spent
Lounge access: Unlimited Domestic & International
Forex markup: 2% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
Last verified 16 Sept 2026
Best for: Ultra-high-net-worth individuals, conglomerate chairpersons, family office principals, and top executives demanding bespoke global lifestyle privileges.
Rewards: 1 EDGE Mile/₹100 Spent on All Transactions
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
Best for: Global family offices, private wealth patrons, and multinational business leaders seeking bespoke international banking privileges and global airport convenience.
Rewards: Bespoke high-yield rewards on global luxury spends
Lounge access: Unlimited Domestic & International
Forex markup: 1.5% Low Forex
Last verified 3 Oct 2026
