Whether you’re shopping on Tata Neu, booking flights with Air India, or restocking groceries on BigBasket, the SBI co-branded credit cards with Tata Neu offer value-driven rewards on every transaction. This collaboration includes two variants: the Tata Neu Plus SBI credit card and the Tata Neu Infinity SBI credit card, each made for people with different spending habits and lifestyle needs. While the Plus variant is ideal for entry-level users without a high annual fee, the Infinity variant offers enhanced benefits, higher reward rates, and international lounge access for a slightly higher yearly cost. Here is a detailed comparison between the features of the two cards.
Annual Fees and Welcome Benefits
The Tata Neu Plus SBI credit card has an annual fee of ₹589 (including GST), whereas the Tata Neu Infinity SBI credit card has an annual fee of ₹1,769 (including GST). Both cards offer NeuCoins as welcome benefits.
- With the Tata Neu Plus SBI credit card, cardholders receive 499 NeuCoins as a welcome benefit.
- The Tata Neu Infinity SBI credit card offers 1,499 NeuCoins as a joining benefit.
The annual fee on the Tata Neu Plus SBI credit card can be reversed on spends of ₹1 lakh, whereas the annual fee on the Tata Neu Infinity SBI credit card can be waived on spending ₹3 lakh annually. Neither of these credit cards offers any other spend-based milestone benefits.
Lounge Access and Priority Pass Benefits
The Tata Neu Plus SBI credit card offers 1 complimentary domestic lounge visit per quarter, for a total of 4 visits annually. This benefit becomes available after spending ₹50,000 in the previous quarter. However, this card does not offer complimentary international airport lounge access.
The Tata Neu Infinity SBI credit card offers 2 complimentary visits to domestic airport lounges each quarter, for a total of 8 complimentary lounge visits annually. Cardholders must spend ₹75,000 in the prior quarter to be eligible for this benefit. Users can also enjoy complimentary access to international airport lounges once per quarter through Priority Pass, which they must carry to gain access. The complimentary visits allowed via Priority Pass are not a spend-based feature; they can be availed by all cardholders regardless of their spending in the prior quarter.
Earning and Redeeming Reward Points
Shopping with these co-branded credit cards allows users to earn NeuCoins as rewards. NeuCoins are the reward currency valid throughout the Tata Neu shopping platform, and are valued as: 1 NeuCoin = ₹1.
Spending with the Tata Neu Plus SBI credit card allows users to earn rewards at the following rate –
- Receive 2% cashback on purchases made through the Tata Neu App or Website and partner Tata brands.
- An additional 5% value back on select category purchases made on the Tata Neu App or website.
- 1% cashback on other transactions, including UPI payments. This applies only to the RuPay variant.
Tata Neu Infinity rewards users at a slightly higher rate –
- Cardholders can earn 5% NeuCoins by utilizing the Tata Neu platform and making purchases from Tata’s partner brands.
- Additionally, users can earn an extra 5% in NeuCoins on select categories, resulting in a total savings of 10% for every ₹100 spent in those categories.
- 1.5% value back in NeuCoins on all other eligible expenses, including UPI transactions (only applicable to the RuPay variant).
Side-by-Side Comparison
Here is a side-by-side comparison of the two cards to help you better understand the differences.
| Features | Tata Neu Plus SBI Credit Card | Tata Neu Infinity SBI Credit Card |
| Annual Fees | ₹499 + GST (~ ₹589) | ₹1,499 + GST (~ ₹1,769) |
| Welcome Bonus | 499 NeuCoins | 1,499 NeuCoins |
| Annual Fee Waiver | On Spending ₹1 Lakh in a Year | On Spending ₹3 Lakh in a Year |
| Domestic Airport Lounge Access | 1 Per Quarter (4 Free Visits in a Year)
Can be Availed on Spending ₹50,000 in the Prior Quarter |
2 Per Quarter (8 Free Visits in a Year)
Can be Availed on Spending ₹75,000 in the Prior Quarter |
| International Airport Lounge Access | N/A | 1 Per Quarter (4 Free Visits in a Year) Via Priority Pass |
| Earning Rewards |
|
|
| Redeeming Rewards | 1 NeuCoin = ₹1. NeuCoins can be used on Tata brands, including BigBasket, through the Tata Neu app. | 1 NeuCoin = ₹1. NeuCoins can be used on Tata brands, including BigBasket, through the Tata Neu app. |
| Forex Markup Fee | 3.5% | 1.99% |
Bottom Line
When it comes to co-branded credit cards, Tata Neu credit cards are highly valued. They are known for their reward system, where NeuCoins earned through card spending can be redeemed at a 1:1 value across a wide range of Tata partner brands, including Air India, BigBasket, Croma, Tata CLiQ, Westside, and more.
SBI offers two straightforward variants under this partnership. The Tata Neu Plus SBI credit card is an entry-level option, priced at ₹499 + GST, ideal for users looking to start their credit journey while enjoying NeuCoin rewards, particularly on purchases made with Tata partner brands. For those looking for enhanced benefits, the Tata Neu Infinity SBI credit card comes at a slightly higher annual fee of ₹1,499 + GST and offers a more rewarding return on Tata brand purchases compared to the Plus variant.
In terms of lifestyle perks, both cards offer access to domestic airport lounges; however, this benefit is subject to a minimum spend condition, requiring users to meet a set quarterly spend milestone to unlock it. Only the Infinity variant includes access to international airport lounges via Priority Pass, and unlike domestic lounge access, this particular benefit does not require any spending threshold.
Overall, the SBI Tata Neu credit cards offer great value for users who spend alot within the Tata ecosystem. However, if you are looking for credit cards that offer more lifestyle perks and provide flexibility in redeeming your rewards, these may not be the right choice.