Eligible spend
1.5 NeuCoins per ₹100 on eligible spend
SBI RUPAY
Tata Neu Infinity
Should you get this?
Strong fit
Why this card
- Forex markup is low at 1.99%.
- Up to 10 NeuCoins / ₹100 on Tata Neu Select Accelerated
- You travel frequently and will use the lounge benefits.
Trade-off
The annual fee (₹1,499) is waived only when eligible annual spend exceeds ₹3,00,000.
Annual fee ₹1,499 per year
Rewards 1.5 NeuCoins / ₹100 base
Lounge access 2 domestic + 1 international visits / quarter
Forex markup 1.99% low
Compare with HDFC Bank Tata Neu Infinity RuPay →
Similar tier comparison
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1.5 NeuCoins / ₹100Credited as reward pointsDoes not earn on —
- cash advance
- education
- emi
- fuel
- government
- grocery
- insurance
- rent
- telecom
- utility
- wallet load
Tata Neu Select Accelerated10 NeuCoins / ₹100Credited as reward points—
BigBasket (domestic)5 NeuCoins / ₹100Credited as reward points—
Croma (domestic)5 NeuCoins / ₹100Credited as reward points—
Show all 10 earning rules (6 more)
Cult.fit (domestic)5 NeuCoins / ₹100Credited as reward points—
Tata CLiQ (domestic)5 NeuCoins / ₹100Credited as reward points—
Grocery1.5 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
Insurance1.5 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
Telecom1.5 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
Utilities1.5 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
Redemption value
What a NeuCoin is worth
- Catalogue₹1 / pt
When does this card pay for itself?
Rewards break-even estimate ₹1L
Conservative yearly spend needed at the ₹1-per-point ranking floor.
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getVerified value
₹1 per point
Catalogue
Best verified lane
Tata Neu Select Accelerated
10 NeuCoins / ₹100
View bonus categories →Caps
- Grocery2,000 NeuCoins per month
Why?
at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
- Insurance2,000 NeuCoins per month
Why?
at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
- Telecom2,000 NeuCoins per month
Why?
at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
No reward on
- Rent
- Education
- Government payments
- Fuel
- +6 more
Realisation
Credited as reward points
Costs & fees
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocks
Annual fee waiver₹3,00,000yearAnnual fee waiver
Domestic lounge spend gate₹75,000quarterLounge eligibility
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Based on the standard earn rate (1.5 NeuCoins / ₹100). Up to ~750 NeuCoins/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
- Worth ~₹750 at the conservative redemption floor
- 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 factsBenefits
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 (unlocks the following quarter)
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Operator-verified anchor
- CardInsider
- Issuer site (verify current terms) , opens external site
- International (cardholder)
- 1 per quarter Requires Priority Pass card
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- Operator-verified anchor
- CardInsider
- Issuer site (verify current terms) , opens external site
Rewards
- Base earn
- 1.5 NeuCoins per ₹100 · verified 8 Jul 2026 value depends on redemption
- Effective return (honest floor)
- ~1.5% base (conservative redemption) · verified 8 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
- Headline point value
- ₹1.00 per NeuCoin (Catalogue) · verified 8 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
- Point validity
- Points expire 2 years after earning
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹1,499
- Joining fee
- ₹1,499 · verified 8 Jul 2026
- Fee waiver spend
- Above ₹3,00,000 · verified 8 Jul 2026 Annual fee waived on eligible anniversary-year spend above ₹3,00,000.
- Interest-free period
- Up to 50 days · verified 8 Jul 2026
International Use
- Forex markup
- 1.99%
Issuer documented · corroborating sources · verify issuer terms before applying
Where to verify
- CardInsider
- BankBazaar
- Issuer site (verify current terms) , opens external site
- Operator-verified anchor
- Product tier
- Mid-tier
Travel & perks
Fuel Benefits
At the pumpNo verified fuel benefit available.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshCaps & limits
- Grocery cap: 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend.
- Insurance cap: 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend.
- Telecom cap: 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend.
- Utilities cap: 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend.
- After the Grocery cap is reached, further spending in that lane earns no rewards.
- After the Insurance cap is reached, further spending in that lane earns no rewards.
- After the Telecom cap is reached, further spending in that lane earns no rewards.
- After the Utilities cap is reached, further spending in that lane earns no rewards.
Exclusions: 10
These spends do not earn reward points.
Payments
- Rent
- Education
- Government payments
Financial
- Fuel
- Wallet loads
- Cash advances
- EMI
- Insurance premiums
Utilities
- Utilities
Other
- Telecom/cable → dedicated capped lane
Latest update
- Annual fee: ₹1,499.
- Forex markup currently listed at 1.99%.
- 2 per quarter domestic lounge · 1 per quarter international.
Common questions
From verified card factsIs this good for lounge access?
2 domestic + 1 international lounge visits/quarter. 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 above ₹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) — welcome. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.
Learn more
Guides matched to this card — not a random syllabus.
- Forex markup bands
0% vs 3.5% — which cards publish what - How reward rate works
Pts / ₹100 without the marketing fog - Billing cycle
Statement date vs due date, clearly