Annual Fee
₹499
Rewards/₹100 ⓘ
₹1.00 - ₹1.50
Interest Rate
45.00%
Credit Score
700+
Key Benefits
Up to 7% NeuCoins on Tata brands, 1% on all spends, fuel waiver
Lounge Access
4 domestic lounges/year (1/quarter, Rs. 50K spend req)
Eligibility
Min income Rs. 3L/year, age 18-65, CIBIL 700+
The Tata Neu Plus SBI Card is an excellent entry-level co-branded card for anyone who regularly shops across Tata brands like BigBasket, Croma, Tanishq, and Westside. With up to 7% NeuCoins on select categories, a low Rs. 499 fee easily waived on Rs. 1 lakh annual spend, and complimentary domestic lounge access, it delivers exceptional value for Tata ecosystem loyalists. However, with rewards confined to the Tata Neu platform and a high forex markup, it falls short for those seeking versatile rewards or international spending. If you already have the HDFC Tata Neu Plus card, there is little reason to add this SBI variant as the benefits are virtually identical.
Best For
Tata brand loyalists, frequent BigBasket/Croma/Tanishq shoppers, entry-level card seekers wanting rewards on everyday spending within the Tata ecosystem.
Not Ideal For
Those who want rewards outside the Tata ecosystem, international travelers (3.5% forex), users who need direct cashback instead of NeuCoins, those who cannot spend Rs. 50K/quarter for lounge access.
visits per year
1 per quarter, requires Rs. 50,000 spend in previous quarter
All Spends
Tata Neu
Shopping
Grocery
Shopping
Tata 1Mg
Shopping
Shopping
Insurance
Utility Bills
Telecom & Cable
Redeem your NeuCoins for cashback, travel, and more
Air India Express (via Tata Neu)
Tata Neu App/Website
BigBasket
IHCL - Taj Hotels (via Tata Neu)
Croma
Westside
Tanishq
499 NeuCoins credited to NeuPass account within 15 days of joining fee realization
value
Annual/renewal fee of Rs. 499 reversed on spending Rs. 1 lakh or more in the preceding year
Spend ₹1,00,000 within 365 days
value
1 complimentary domestic airport lounge access unlocked on spending Rs. 50,000 in the previous quarter
Spend ₹50,000 within 90 days
value
See how this card performs in different spending categories compared to other cards.
The Tata Neu Plus SBI Card is a co-branded credit card launched through a partnership between SBI Card and Tata Digital. As the base variant in the Tata Neu SBI Card lineup, it offers an affordable entry point for consumers who frequently shop across the Tata ecosystem, including brands like BigBasket, Croma, Tanishq, Westside, Tata 1mg, and more.
Available on both Visa and RuPay networks, this card lets you earn NeuCoins valued at Re. 1 each on every purchase. With up to 7% value back on select Tata Neu categories, complimentary domestic airport lounge access, and a fuel surcharge waiver, this card packs considerable value for its low Rs. 499 annual fee.
The Tata Neu Plus SBI Card is an entry-level co-branded credit card issued by SBI Cards in partnership with Tata Neu. It is designed for consumers who regularly shop at Tata Group brands and want to earn NeuCoins on their everyday spending.
Earn up to 7% NeuCoins on select category spends through the Tata Neu App/Website:
Get 4 complimentary domestic airport lounge accesses per year (1 per quarter), available upon achieving Rs. 50,000 in spends in the previous quarter. Simply use your Tata Neu Plus SBI Card at participating lounges.
Enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 at any petrol pump across India. The maximum surcharge waiver is Rs. 250 per statement cycle.
The annual/renewal fee of Rs. 499 is reversed when you spend Rs. 1 lakh or more during the preceding card anniversary year, effectively making it a free card for regular users.
Free add-on cards are available for your spouse, siblings, parents, and children above 18 years of age.
The Tata Neu Plus SBI Card offers complimentary domestic airport lounge access across India.
Note: Unlike the HDFC Tata Neu Plus variant, the SBI version requires a spending milestone for lounge access. If you cannot consistently spend Rs. 50,000 per quarter, consider this limitation before applying.
The Tata Neu Plus SBI Card earns NeuCoins, the reward currency of the Tata Neu ecosystem. All NeuCoins are automatically credited to your NeuPass account within 7 working days of the monthly statement cycle.
1 NeuCoin = Re. 1 in savings. Redeem seamlessly across Tata Neu partner brands:
No NeuCoins are earned on: fuel spends, wallet loads, rental payments, gift/prepaid card purchases, cash advances, payment of outstanding balances, card fees and charges, EMI conversions (Flexipay), government-related transactions, and education payments.
NeuCoins are valid for 24 months from the date of accrual. Unredeemed NeuCoins will expire and be forfeited after this period.
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 499 + applicable taxes |
| Annual/Renewal Fee | Rs. 499 + taxes (waived on Rs. 1 lakh annual spend) |
| Add-on Card Fee | Nil |
| Cash Advance Fee | 2.5% or Rs. 500, whichever is higher |
| Late Payment Charges | Rs. 400 to Rs. 1,300 (based on outstanding) |
| Over Limit Fee | 2.5% of overlimit amount or Rs. 600, whichever is higher |
| Foreign Currency Transaction Fee | 3.5% |
| Finance Charges | Up to 3.75% per month (45% p.a.) |
| Card Replacement | Rs. 100 to Rs. 250 |
| Reward Redemption Fee | Rs. 99 (physical products/vouchers) |
| Rent Payment Processing Fee | Rs. 199 per transaction |
| Utility Payment Fee | 1% if total exceeds Rs. 50,000/billing cycle |
| Cash Payment Fee (SBI Branch) | Rs. 250 + taxes |
| Payment Dishonor/Cheque Return | 2% of payment amount, min Rs. 500 |
The Tata Neu Plus SBI Card is a solid entry-level co-branded credit card for anyone deeply invested in the Tata ecosystem. With up to 7% NeuCoins on select Tata Neu categories, a transparent 1:1 redemption value, and access to over a dozen Tata brands for redemption, it offers meaningful savings for regular Tata shoppers.
The low Rs. 499 annual fee, offset by the welcome NeuCoins and easily waivable on Rs. 1 lakh annual spend, makes this essentially a free card for most active users. The complimentary domestic lounge access adds extra value for occasional travelers, though the Rs. 50,000 quarterly spend requirement may be a barrier for some.
However, if rewards outside the Tata ecosystem matter to you, or if you frequently travel internationally, this card falls short. The 3.5% forex markup and NeuCoin-only redemption system limit its versatility. For Tata brand loyalists seeking an affordable, rewarding card, the Tata Neu Plus SBI Card is a compelling choice. If the HDFC variant is available as Lifetime Free, it remains the preferred option due to identical benefits without the spend-based lounge requirement.
Last updated: 1 February 2026
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