Tata Neu Plus SBI Card
SBI Card · Visa + RuPay · Entry card
Broadens the catalogue with an SBI-issued Tata Neu RuPay choice for UPI and ecosystem rewards.
Tata Neu users who want a low-fee RuPay card and occasional domestic lounge access.
Terms checked 23 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹499 + GST
- Base reward rate
- 1%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1% |
| Groceries & essentials | 1% |
| Dining & delivery | 1% |
| Travel & hotels | 1% |
| Bills & utilities | 1% |
| Beauty & wellness | 1% |
| Entertainment & movies | 1% |
| Education & family | 1% |
| Healthcare & pharmacy | 1% |
| Subscriptions & streaming | 1% |
| Offline store shopping | 1% |
| International spending | 1% |
| Gold & jewellery | 1% |
| Insurance premiums | 1% |
| Other miscellaneous | 1% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
4 domestic airport lounge visits per year
1 domestic airport lounge visit per quarter · Issuer card
Guest access: Not available
Requires ₹50,000 per Calendar quarter for the following calendar quarter
Spend condition: Spend ₹50,000 in the preceding calendar quarter.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 5 items
Tata Neu and partner Tata brands
Usage-based valueTwo NeuCoins per ₹100 on eligible, non-EMI Tata Neu and partner Tata-brand card purchases.
Conditions: Two NeuCoins per ₹100 on eligible, non-EMI Tata Neu and partner Tata-brand card purchases.
Eligible RuPay UPI
Usage-based valueOne NeuCoin per ₹100 on eligible merchant UPI payments using the RuPay variant.
Conditions: One NeuCoin per ₹100 on eligible merchant UPI payments using the RuPay variant.
Other eligible spend
Usage-based valueOne NeuCoin per ₹100 on other eligible retail purchases.
2% NeuCoins on eligible Tata Neu and partner Tata-brand purchases
Shown without a cash value1% NeuCoins on other eligible purchases including RuPay merchant UPI
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Joining fee
Cost ₹499₹499 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹499Annual fee may be waived after ₹1,00,000 of eligible annual spending.
Conditions: Reach ₹1,00,000 eligible annual spending
Welcome benefits · 1 item
499 welcome NeuCoins
Recorded value ₹499Welcome NeuCoins with ₹499 Tata ecosystem value.
Conditions: Pay the applicable joining fee · NeuCoins are posted within 15 days of joining-fee payment
Airport lounge access · 1 item
Domestic lounge access
Usage-based value1 visit per quarter through Issuer card. Guest access: not available.
Conditions: Spend ₹50,000 per calendar quarter
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The reviewed current issuer sources do not publish one universal numeric income threshold.
Other benefits · 2 items
Additional NeuPass earning of up to 5% on selected Tata Neu categories under Tata Digital terms
Shown without a cash value1% fuel-surcharge waiver, capped at ₹250 monthly
Shown without a cash value
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Spend milestones
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 2% NeuCoins on eligible Tata Neu and partner Tata-brand purchases
- ✓ 1% NeuCoins on other eligible purchases including RuPay merchant UPI
- ✓ 499 welcome NeuCoins and ₹1 lakh annual-fee waiver
- ✓ Four domestic airport-lounge visits yearly after the quarterly spend condition
What to watch
The separate NeuPass layer can make selected Tata Neu journeys advertise up to 7%, but only 2% is the card earn. UPI and regulated categories have monthly caps and several transaction types earn nothing.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Gift cards · Prepaid cards · Vouchers · Cash withdrawal · Fees charges · Flexipay · Government payments · Education Family
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 23 Sept 2026