SBI Card
Gold · Tata Neu Infinity
Tata Neu Infinity SBI Credit Card
SBI Card
Earn up to 5% NeuCoins on Tata Neu and 1.5% on all other spends
Annual Fee
₹1,499
Joining Fee
₹1,499
Reward Rate
1.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹10,231
Total Annual Benefits
₹12,000
Total Annual Charges
₹1,769
ROI
579%
Fee Waiver Available
Annual fee waived on spending ₹3 Lakh in the preceding year — ₹3,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (3)
5% NeuCoins on Tata Neu Platform
Earn 5% NeuCoins on spends via Tata Neu platform including BigBasket, Croma, Tata CLiQ, Westside
- • Valid on Tata Neu app/website transactions
5% NeuCoins
1.5% NeuCoins on All Other Spends
Earn 1.5% NeuCoins on all other retail spends
1.5% NeuCoins
UPI Payments via RuPay
Make UPI payments using your credit card on the RuPay network
- • Only available on RuPay network
UPI enabled
Airport Lounge Access (1)
Domestic Lounge Access
4 complimentary domestic airport lounge visits per year (1 per quarter)
- • 1 complimentary visit per quarter at domestic airports
4 visits/year
₹10,000/yr
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
NeuCoins
1.5% NeuCoins (5% on Tata Neu)
Effective cashback: 1.50%
Points expire: 1 year from date of accrual
Redemption Options
- → Tata Neu ecosystem (BigBasket, Croma, Tata CLiQ, Westside, Tanishq)
- → 1 NeuCoin = ₹1 on Tata platforms
Bonus Categories
Tata Neu Platform
3.33x multiplier
5% NeuCoins on Tata Neu platform spends
Milestone Bonuses
1,000 NeuCoins on spending ₹2 Lakh annually
Spend ₹2,00,000 annually
1,000 NeuCoins
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹1,499 Excluding 18% GST |
| Annual Fee | ₹1,499 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹30,000
- Min. Annual Income
- ₹3,60,000
- Min. Credit Score
- 720
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹30,000
- • Self-Employed: Minimum ITR of ₹3.6 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
Accidental Death
₹5.0 L
Permanent Disability
₹5.0 L
Lost Card Liability
₹2.0 L
Report within 24h
- • Air accident cover: ₹5 Lakh accidental death cover
- • Lost card liability cover up to ₹2 Lakh
Airport Lounge Access
Domestic
4 visits/year
1 per quarter
~₹2,500/visit
International
0 visits/year
N/A
Dreamfolks
- • Domestic: 1 complimentary visit per quarter at domestic airports
Transaction Limits
ATM Withdrawal / Day
₹30,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
UPI payments via RuPay Contactless payments EMV chip security Add-on cards available EMI conversion facility Tata Neu ecosystem rewards Domestic lounge access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The Tata Neu Infinity SBI Credit Card is a co-branded card offering up to 5% NeuCoins on Tata Neu platform spends and 1.5% NeuCoins on all other spend...
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