Question 1

What is the annual fee on the Tata Neu Plus SBI Credit Card and how do you get it waived?

Accepted Answer

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.

Question 2

How much cashback does the Tata Neu Plus SBI Credit Card give?

Accepted Answer

You get 7% back on select categories on Tata Neu App/Website. Other eligible spends earn 1%. On ₹10,000 of spend in the top category that is ₹700 back, so about ₹8,400 a year if you hit it every month. Fuel Spends, Wallet loads, Rent Payments, Cash Advances earn nothing at all.

Question 3

Does the Tata Neu Plus SBI Credit Card give free airport lounge access?

Accepted Answer

The Tata Neu Plus SBI Credit Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. Access is not automatic any more, because you need ₹50,000 of spend in the previous quarter before the visits become available, which is ₹16,667 a month.

Question 4

What changed on the Tata Neu Plus SBI Credit Card recently and is it still worth it in 2026?

Accepted Answer

Launched with spend-based lounge access; NeuCoin structure trimmed across ecosystem. The changes are dated 2025. At ₹1L of yearly spend the card returns roughly ₹1,000 at its general rate of about 1%, against a ₹499 renewal fee. Keep it if you clear the ₹1L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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