SBI

Tata Neu Infinity Credit Card

Good fit for frequent travelers who value lounge access and low forex — ₹1,499 annual fee.

Top reasons to choose this card

8 domestic lounge visits, spend-gated
₹3L fee waiver
Low 1.99% forex markup

What you'd do with it

Good fit when tata neu select accelerated is a regular spend category for you.
Useful for travelers who need around 8 domestic lounge visits a year.

Good for travel 2% forex · 2 per quarter lounge
Moderate forex 2% forex markup
Strong lounge access 2 per quarter domestic lounge
Supports UPI Supports UPI via RuPay network.

Suggested comparison Similar tier comparison Compare with HDFC Bank Tata Neu Infinity RuPay →

Choose another card to compare →

Annual fee ₹1,499 per year

Forex markup 1.99% moderate

Lounge access 2 per quarter

Rewards / ₹100 10 NeuCoins up to · ₹100 on Tata Neu Select Accelerated

The catch Domestic: 2/quarter · requires ₹75,000 spend in the previous calendar quarter. Domestic lounge cap is 8 visits per year. International lounge cap is 4 visits per year.

Welcome benefit timing may vary
Fee waiver available
Welcome benefit listed
Annual fee known
Forex markup known

At a glance

Snapshot · usage · fit

Fast facts

Annual fee: ₹1,499 higher than 60 of 112 cards
Joining fee: ₹1,499
Forex markup: 1.99% lower than 83 of 111 cards
Lounge access: 2 per quarter domestic lounge · 1 per quarter international
Reward rate: Up to 10 NeuCoins / ₹100 on Tata Neu Select Accelerated

Good fit for

Good for travel
Strong lounge access
Supports UPI

Still worth it?

Evidence-backed snapshot

Good fit if

Fee waiver applies at ₹3,00,000 annual spend.
Forex markup is low at 1.99%.
Use this for tata neu select accelerated spends after checking excluded categories.

Verify before applying

Annual fee known
Fee waiver available
Forex markup known
2 per quarter domestic lounge
Airport lounge list may change
Welcome benefit listed
Welcome benefit timing may vary
Monthly interest known

Welcome benefit timing and claim process.
Lounge terms to verify: 2 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
Annual fee waiver terms and eligible spend exclusions.
Issuer fees, GST, finance charges, and late-payment terms.
Reward terms to verify: base earn is 1.5 points per ₹100. These spends do not earn reward points: The following Excluding Categories, AURUM, Prime NRI Secured, and IndiGo SBI Card ELITE. Still verify remaining caps.

Next best move

Open the ranking that matches your constraint, or compare this card with the closest alternative.

Compare with HDFC Bank Tata Neu Infinity RuPay Similar tier comparison Best SBI credit cards See how this card compares within SBI. Low forex credit cards Cards under the low-forex threshold. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Lounge ranking (verified) Compared on verified lounge access, then annual fee. Best travel credit cards Cards suited for international spend and lounge-heavy travel.

Is this good for lounge access?

2 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 1.99%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

Fee waiver applies at ₹3,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit is listed. Included items: Reward points equivalent to joining fee (1,499 pts). Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Fees confidence: High Forex confidence: High Rewards confidence: High · issuer terms Lounge confidence: High Waiver confidence: High

Card facts refreshed 11 July 2026.

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹3,00,000yearAnnual fee waiverhighstrong

Lounge access spend gate₹75,000quarterLounge eligibilityreasonablestrong

Reward reality

Point value · limits · exclusions

Verified value₹1 per pointCatalogue

Best verified laneTata Neu Select Accelerated10 NeuCoins / ₹100

Exclusions/no-earnThese spends do not earn reward points: The following Excluding Categories, AURUM, Prime NRI Secured, and IndiGo SBI Card ELITE.

Reward rules

Structured earn rates · eligibility · caps when they bind

Tata Neu Select Accelerated10 NeuCoins / ₹100Up to 5% extra on select category spends on Tata Neu App/Website (bra…—

Tata Neu Partner Brands5 NeuCoins / ₹1005% value back as NeuCoins on Tata Neu App/Website and partner Tata Brands (no…—

General spend1.5 NeuCoins / ₹1001.5% value back as NeuCoins on other spends, including UPI (RuPay variant). U…—

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Estimated using base earn (1.5 NeuCoins / ₹100). ~750 NeuCoins/month. Partner/category bonuses not included.
Fee waiver achievable at this spend
Forex cost ~₹1,000 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 2 per quarter — via SBI Card lounge programme · verified 8 Jul 2026 Condition: ₹75,000 spend in the previous calendar quarter

2 sources agree · verify issuer terms before applying

Where to verify

Operator-verified anchor
CardInsider
Issuer site (verify current terms) (opens in new tab)
International (cardholder): 1 per quarter — via Priority Pass · verified 8 Jul 2026 Requires Priority Pass card

2 sources agree · verify issuer terms before applying

Where to verify

Operator-verified anchor
CardInsider
Issuer site (verify current terms) (opens in new tab)
Tata Neu Infinity SBI e-kit / cardholder T&C: Tata Neu Infinity SBI e-kit / cardholder T&C

Rewards

Base earn: 1.5 NeuCoins / ₹100 · verified 8 Jul 2026 value depends on redemption
Headline point value: ₹1.00 per NeuCoin (Catalogue) · verified 8 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.

Redemption value

You earn: NeuCoins
Catalogue: ₹1.00 per NeuCoin · verified 8 Jul 2026

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹1,499
Joining fee: ₹1,499 · verified 8 Jul 2026
Fee waiver spend: ₹3,00,000 · verified 8 Jul 2026 Above catalog median waiver (₹2,00,000 vs ₹3,00,000).
Interest-free period: Up to 50 days · verified 8 Jul 2026

International Use

Forex markup: 1.99%

4 sources agree · verify issuer terms before applying

Where to verify

CardInsider
BankBazaar
Issuer site (verify current terms) (opens in new tab)
Operator-verified anchor
Product tier: Mid-tier