Tata Neu Plus Sbi Card

Key Features & Benefits

This card offers a rewarding experience for frequent Tata shoppers, giving you the ability to earn NeuCoins at multiple accelerated rates. You get 7% NeuCoins on Tata Neu app transactions and partner Tata brands, making shopping within the Tata ecosystem highly valuable. Additionally, 2% NeuCoins are earned on non-EMI Tata brand purchases, adding consistent value to everyday shopping. On all other eligible spends, including UPI payments (with the RuPay variant), you earn 1% NeuCoins, ensuring you get rewarded for most transactions.

Rewards come with certain monthly caps — for instance, grocery spends are capped at 1,000 NeuCoins per month, while insurance, utilities, and telecom categories have a 2,000 NeuCoins cap each. UPI spends earn rewards up to 500 NeuCoins monthly. Some spends like EMI transactions, fuel, rent, government payments, and wallet recharges do not earn NeuCoins, so this card is best suited for regular shopping, bill payments, and Tata ecosystem spending. The NeuCoins earned can be redeemed easily on the Tata Neu app or website at a 1:1 value, translating into real savings on popular Tata brands and partners. This approach makes the card rewarding yet simple and transparent for users.

All You Need to Know About: Tata Neu Plus Sbi Card

Pros & Cons

How to Apply

1. Visit the official SBI Card website or Tata Neu app.

2. Navigate to the Credit Cards section and select the Tata Neu SBI Plus Card.

3. Click “Apply Now” and fill in personal and financial details accurately.

4. Submit the application and wait for approval, after which the card will be delivered to your address.

Detailed Fee Structure

The Tata Neu SBI Plus Card has a joining fee of ₹499 plus 18% GST. The annual renewal fee is ₹499 plus GST from the second year onward, which can be waived if you spend ₹1 lakh or more in the previous card membership year. There is no fee for add-on cards. Finance charges on unpaid balances are up to 3.75% per month. Cash advances incur a fee of 2.5% or ₹500 (whichever is higher). A 3.5% foreign currency markup applies on international spends.

Additional fees include a 1% fee on utility bill payments exceeding ₹50,000 per billing cycle, a ₹250 cash payment fee, and a ₹99 reward redemption fee. Late payment charges range from none for dues up to ₹500, increasing progressively up to ₹1,300 for dues exceeding ₹50,000. Card replacement fees range from ₹100 to ₹250. These charges ensure transparency and are important to consider alongside the card’s benefits.

Who Should Get This Card?

This card is ideal for Tata Neu app users and Tata brand loyalists who frequently shop across BigBasket, Croma, Westside, and other Tata partners. It suits moderate spenders seeking consistent cashback rewards and lifestyle perks without premium travel or luxury benefits. Users looking for an affordable card with accelerated NeuCoins on Tata ecosystem spends, plus bonus UPI rewards (RuPay variant), will benefit well.

It is also a good fit for occasional travelers who value 4 free domestic airport lounge visits annually, unlocked by meeting quarterly spend criteria. However, it is not recommended for heavy international travelers or users wanting extensive travel and premium benefits beyond Tata-related rewards.

Alternatives & Competitor Comparison

Feature	Tata Neu Plus Sbi Card	Tata Neu Plus Hdfc Card
Card Image
Card Network	RuPay, Visa	RuPay
USP	The Tata Neu SBI Plus Credit Card offers up to 7% NeuCoins on Tata Neu app and partner brand spends, plus 1% rewards on other retail and UPI transactions, making it perfect for regular Tata shoppers and digital payers. It also provides 4 complimentary domestic lounge visits annually, catering to moderate travelers seeking valuable rewards and convenience.	The Tata Neu Plus HDFC Bank Credit Card delivers accelerated NeuCoins rewards on Tata brand and Tata Neu app spends, coupled with fuel surcharge waivers and exclusive domestic lounge access, making it ideal for Tata loyalists and lifestyle-focused shoppers.
Annual Fee	499 + Applicable Taxes	499 + Applicable Taxes
Joining Fee	499 + Applicable Taxes	499 + Applicable Taxes (No Joining Fee For Select Users)
Welcome Benefits	Get 499 NeuCoins only on payment of Rs. 499 Joining Fee	Get 499 NeuCoins only on payment of Rs. 499 Joining Fee
Lounge Access	Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months	Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months
Reward Rate	Earn 7% NeuCoins on Tata Neu app and partner Tata brands, 2% on other Tata brand spends, and 1% on all other spends including UPI (with monthly caps on some categories)	Earn 2% NeuCoins on Tata Neu and Tata brand spends, 1% NeuCoins on other transactions including UPI (with monthly cap), plus an extra 5% NeuCoins on select Tata Neu categories with Tata NeuPass membership.
Interest Rate	Finance charges are 3.75% per month on outstanding balances	3.6% per month (43.20% per annum) on revolving credit and cash advances
Best For	Online Shopping, UPI	UPI
Apply Now	Apply Now	Apply Now

Frequently Asked Questions