Is the Tata Neu Infinity SBI Card Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Shopping card
- ₹1,769 fee a year (with GST)
- Fee waived from ₹25,000 a month
- 1.5% on most spends; 5% only at partner merchants
- 12 lounge visits a year
- Pays in cashback
- online shopping only at Tata Neu & Tata brands: 5% back
- spending ₹25,000 or more a month: the ₹1,769 fee is waived
- flyers: 12 airport lounge visits a year
- spending abroad: 1.99% markup, most cards add 3.5%
- you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹1,769 fee is then charged
- most of your spending is fuel, rent, education or wallet top-ups: those earn nothing on this card
- you rarely spend on Tata Neu & Tata brands: the 5% rate applies only there, everything else earns 1.5%
Your spend a month, by kind
Terms on the normal rate: 1.5% back as NeuCoins on other spends, including UPI transactions on the RuPay variant, UPI earning is capped at 500 NeuCoins a month. Telecom and cable spends are capped at 2,000 a month. 1 NeuCoin = Re. 1
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | 1.5% | No cap | The card's normal rate | - |
| Online shopping | 1.5% | No cap | Anywhere else in the category | - |
| Online shopping, only at listed merchants | 5% | No cap | Only at: Tata Neu & Tata brandsTerms: 5% back as NeuCoins on non-EMI spends at Tata Neu App/Website and partner Tata brands, plus an additional up to 5% via NeuPass on select Tata Neu categories. Merchant EMI/Flexipay excluded. | - |
| Dining and food delivery | 1.5% | No cap | The card's normal rate | - |
| Groceries | 1.5% | ₹2,000 | All merchants in the categoryTerms: 1.5% back as NeuCoins on grocery, capped at 2,000 NeuCoins a month. 1 NeuCoin = Re. 1 | - |
| Travel: flights, hotels, trains | 1.5% | No cap | The card's normal rate | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 1.5% | ₹2,000 | All merchants in the categoryTerms: 1.5% back as NeuCoins on utility transactions, capped at 2,000 NeuCoins a month. 1 NeuCoin = Re. 1 | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | 1.5% | ₹2,000 | All merchants in the categoryTerms: 1.5% back as NeuCoins on insurance, capped at 2,000 NeuCoins a month. 1 NeuCoin = Re. 1 | - |
| School and college fees | Earns nothing | - | earns nothing on this card | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 1.5% | No cap | The card's normal rate | - |
| Everything else | 1.5% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
