State Bank of India
Tata Neu Plus SBI Card
Data last verified: 11 October 2026
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Reward rate1% on most spends; 2% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹499 + GST
- Annual fee₹499 + GST
- Fee waiverOn ₹1 lakh spend a year
- Forex markup3.5%
This card pays back in NeuCoins, where 1 NeuCoin equals Re 1 on Tata Neu. You earn 2% on the Tata Neu app and Tata brands, with up to 5% more through NeuPass on select categories, and 1% on other spends. As a RuPay card it works on UPI, where earnings are capped at 500 NeuCoins a cycle.
It costs ₹499 a year plus GST and the fee is waived once you spend ₹1 lakh in the year. You also get 499 NeuCoins when the joining fee is paid, which covers the first year.
It suits people who already shop with Tata brands through the Tata Neu app. The catch is that NeuCoins expire after 12 months and only work inside Tata brands, and lounge visits need Rs 50,000 spend a quarter.
Best for: Regular Tata Neu shoppers, UPI users wanting a RuPay card, Beginners wanting a low-fee card.
01Tata Neu Plus SBI Card Rewards and Benefits
02Tata Neu Plus SBI Card Annual Fee and Charges
- Joining fee
- ₹499 + GST
- Annual fee
- ₹499 + GST
- Spend-based waiver
- Annual fee waived on ₹1 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- Not published
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹20,000 on everything else, earning 1%₹200
- Back each month, ₹2,400 a year₹200
- Annual fee with 18% GST (waived at this spend)₹0
- In your pocket each year₹2,400
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- Online shopping only at Tata Neu & Tata brands: 2% back
- Spending ₹8,333 or more a month: the ₹589 fee is waived
- Flyers: 4 airport lounge visits a year
Skip it if…
- you spend less than ₹8,333 a month (₹1,00,000 a year, rent and wallet loads not counted): the ₹589 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 2% rate applies only there, everything else earns 1%
- you often pay in foreign currency: 3.5% is added to every foreign spend
04Product Details
- ₹499 joining and annual fee, waived at ₹1 lakh yearly spend
- 2% NeuCoins on Tata Neu and partner Tata brands
- Up to 5% extra via NeuPass on select categories
- 1% NeuCoins on other spends, including UPI
- 499 NeuCoins welcome benefit
- 4 domestic lounge visits a year with ₹50,000 spend in the previous quarter
- 1% fuel surcharge waiver, up to ₹250 a cycle
05Pros and Cons
Pros
- Welcome NeuCoins cover the first fee
- 1% on UPI spends
- Easy ₹1 lakh waiver
Cons
- NeuCoins expire in 12 months and work only on Tata
- Lounge list has no metro airports
- No rewards on fuel, rent, wallets or EMIs
- 3.5% forex fee
06How Tata Neu Plus SBI Card earns Rewards
1% on most spends; 2% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| UPI payments (scan and pay) | 1% | No cap | The card's normal rate |
| Online shopping | 1% | No cap | Anywhere else in the category |
| Online shopping, only at listed merchants | 2% | No cap | Only at: Tata Neu & Tata brandsTerms: 2% 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% | No cap | The card's normal rate |
| Groceries | 1% | ₹1,000 | All merchants in the categoryTerms: 1% back as NeuCoins on grocery, capped at 1,000 NeuCoins a month, half the Tata Neu Infinity's grocery cap. 1 NeuCoin = Re. 1 |
| Travel: flights, hotels, trains | 1% | No cap | The card's normal rate |
| Fuel | Earns nothing | - | earns nothing on this card |
| Bills and recharges | 1% | ₹2,000 | All merchants in the categoryTerms: 1% 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% | ₹2,000 | All merchants in the categoryTerms: 1% 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% | No cap | The card's normal rate |
| Everything else | 1% | No cap | The card's normal rate |
Terms on the base rate. 1% back as NeuCoins on other spends, including UPI transactions on the RuPay variant, UPI earning is capped at 500 NeuCoins a statement cycle. Telecom and cable spends are capped at 2,000 a month. 1 NeuCoin = Re. 1
07Tata Neu Plus SBI Card Lounge Access and Travel
Domestic lounge access is 4 visits a year. Spend Rs 50,000 in the previous quarter for domestic lounge access. Spending abroad carries a 3.5% forex markup; rewards on it: 1% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per statement cycle.
- Airport lounge access: 4 domestic airport lounge visits a year (1 per quarter), on achieving ₹50,000 spend in the previous quarter. SBI's Tata Neu domestic lounge list, effective 10 Apr 2026, contains no metro airport at all
08Tata Neu Plus SBI Card Eligibility and Documents
- Age
- 21 to 70 years
09Recent Changes
What State Bank of India changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Nov 2025 | Reduced: Portfolio fee revision (education and wallet-load fees added)Source: State Bank of India | - | - |
| 1 Aug 2025 | Reduced: NeuCoins given a fixed 12-month expiry | Rolling validity (extended with each transaction) | 12 months from end of the credit month |
| 16 Apr 2025 | Changed: Tata Neu Plus SBI Card launched | - | - |
See this card's change history → · All card changes in November 2025 →
10Cards Similar to Tata Neu Plus SBI Card
Tata Neu Plus SBI Card is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Tata Neu Plus SBI Card |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹499 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹499 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 1% on most spends; 2% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | 4 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
11Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Tata Neu Plus SBI Card Bill
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Common Questions
Is the ₹499 fee waived?
Yes, once you spend ₹1 lakh in a year. Below that the fee plus GST is charged.
What are NeuCoins worth?
1 NeuCoin is worth Re 1 when spent on Tata Neu and Tata brands. They expire after 12 months.
Does it earn on UPI?
Yes, the RuPay version earns 1% on UPI, capped at 500 NeuCoins per statement cycle.
How do I get lounge access?
Spend ₹50,000 in a quarter to get one domestic lounge visit in the next quarter, up to 4 a year.
What is the joining fee for the Tata Neu Plus SBI Card?
The joining fee is ₹499 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Tata Neu Plus SBI Card?
The annual fee is ₹499 + GST.
Does the Tata Neu Plus SBI Card give airport lounge access?
Yes. Domestic lounge access is 4 visits a year. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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Guides in Plain Words
Short reads that explain how it works before you decide.
Credit CardsTata Neu HDFC Credit Card: Claim Your NeuCoins from 25 November 2026From 25 November 2026, NeuCoins earned on a Tata Neu HDFC Bank credit card no longer reach your Tata Neu account by themselves. You claim them in the Tata Neu App within 12 months, or they expire. Here is what changes, how to claim, and the dates that matter.Read the guide →- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →
