Card Details
Tata Neu Plus SBI Credit Card
Monzy Score
8/ 10
Very good for online shoppers.
Strong ~7% back in its core category; high 3.5% forex markup.
Card Issuer
SBI Card
Joining Fee
₹499
Annual Fee
₹499
Reward Type
Reward Points
Card Access
Standard
Offers from SBI Card
See allNeelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026
Earn Points
2%
back as NeuCoins on Non-EMI Spends o Tata Neu App/Website
5%
Extra NeuCoins on select categories via Tata Neu
1% NeuCoins
All other eligible spends including UPI (RuPay variant)
Benefits
Up to 7% NeuCoins on select Tata Neu categories
- High NeuCoin earn on Tata ecosystem
- 2% NeuCoins on Tata Neu app and partner Tata brands
- Additional 5% NeuCoins on select Tata Neu categories
- 1 NeuCoin = ₹1 value on Tata Neu
- No NeuCoins on cash advances, fees, rentals, government or education payments
₹499 fee offset by 499 NeuCoins welcome bonus
- Affordable entry-level card
- Joining/annual fee ₹499 + GST
- 499 NeuCoins welcome benefit offsets fee
- Fee reversal on ₹1 lakh annual spends
4 Domestic Lounge Visits/Year
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, wallet, rent, government, online gaming
Estimated Returns
Tata Neu app & partner Tata brands
2% NeuCoins
₹600
Select categories via Tata Neu app (booster)
situational up to +5%
₹0
UPI spends (RuPay)
cap 500 NeuCoins/mo
₹0
All other retail spends
Grocery cap1000 Utility2000 Telecom2000 Insurance2000
₹0
Total Annual Return
₹7,200
2% Effective ROIWhat Users Are Saying
Community Feed
Mar 2026
“SBI Tata Neu Infinity (RuPay) Rejected → Offered Plus”
by r/CreditCardsIndia, Mar 2026
“Help me make the most out of this card (SBI Tata Neu Plus)”
by r/CreditCardsIndia, Mar 2026
“Clarifications on Tata Neu Infinity SBI Credit Card”
by r/CreditCardsIndia, Jul 2025
“Need help: Tata Neu SBI Credit Card”
by r/CreditCardsIndia, Feb 2026
“Is SBI Tata nenu plus eligible for sale discounts like Flipkart”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
The Tata Neu Plus SBI Credit Card charges ₹499 plus GST as a joining fee and the same ₹499 again at renewal. SBI Card waives the renewal fee if you spend ₹1L in the previous year, which is about ₹8,333 a month. If your card spend sits below that, treat ₹499 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
NeuCoins are not earned on cash advances, fee payments, rentals, government-related transactions, education payments, Flexipay and similar exclusions.
No NeuCoins on payment of outstanding balances
No NeuCoins on payment of card fees and other charges
No NeuCoins on Flexipay
No NeuCoins on rental transactions
No NeuCoins on government-related transactions
