SBI

Tata Neu Plus Credit Card

Good fit for everyday spend that earns rewards — ₹499 annual fee.

Top reasons to choose this card

  • 4 domestic lounge visits, spend-gated
  • ₹1L fee waiver

What you'd do with it

  • Works when a ₹499 annual fee is acceptable for the accelerated earn rates.
  • Good fit when tata neu select accelerated is a regular spend category for you.
  • Competitive for day-to-day rewards with an estimated base return around 1%.
  • Limited lounge access 1 per quarter domestic lounge
  • Supports UPI Supports UPI via RuPay network.
Suggested comparison Similar tier comparison Compare with Axis Bank ACE →
Choose another card to compare →
Annual fee ₹499 per year
Forex markup 3.5% high
Lounge access 1 per quarter
Rewards / ₹100 5 NeuCoins up to · ₹100 on Tata Neu Select Accelerated

The catch Domestic: 1/quarter · requires ₹50,000 spend in the previous calendar quarter. Domestic 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
₹499 lower than 74 of 112 cards
Joining fee
₹499
Forex markup
3.5% the standard rate (matches 66 cards)
Lounge access
1 per quarter domestic lounge
Reward rate
Up to 5 NeuCoins / ₹100 on Tata Neu Select Accelerated

Good fit for

  • Supports UPI

Still worth it?

Evidence-backed snapshot

Good fit if

  • Annual fee is relatively low at ₹499.
  • Fee waiver applies at ₹1,00,000 annual spend.
  • Use this for tata neu select accelerated spends after checking excluded categories.

Verify before applying

  • Annual fee known
  • Fee waiver available
  • Forex markup known
  • 1 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: 1 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 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 Axis Bank ACE Similar tier comparison Best SBI credit cards See how this card compares within SBI. 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. Cards under ₹1,000 annual fee Lower-fee options in the current snapshot.

Is this good for lounge access?

1 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 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies at ₹1,00,000 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 (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
RequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹1,00,000yearAnnual fee waiverreasonablestrong
Lounge access spend gate₹50,000quarterLounge eligibilityreasonablestrong

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.

Reward reality

Point value · limits · exclusions
Verified value₹1 per pointCatalogue
Best verified laneTata Neu Select Accelerated5 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
ScopeRateEligibilityLimit
Tata Neu Select Accelerated5 NeuCoins / ₹100Up to 5% extra on select categories (tataneu.com/about-neupass). Mont…—
Tata Neu Partner Brands2 NeuCoins / ₹1002% value back as NeuCoins on Tata Neu App/Website and partner Tata Brands.—
General spend1 NeuCoins / ₹1001% other/UPI (RuPay). UPI capped 500 NeuCoins per statement cycle.—

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Estimated using base earn (1 NeuCoins / ₹100). ~500 NeuCoins/month. Partner/category bonuses not included.
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
1 per quarter — via SBI Card lounge programme · verified 8 Jul 2026 Condition: ₹50,000 spend in the previous calendar quarter

Single source · verify on issuer site

Where to verify
  • Operator-verified anchor
International (cardholder)
Not included International details not available.

Single source · verify on issuer site

Where to verify
  • Operator-verified anchor
Tata Neu Plus SBI e-kit / cardholder T&C
Tata Neu Plus SBI e-kit / cardholder T&C

Rewards

Base earn
1 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
₹499
Joining fee
₹499 · verified 8 Jul 2026
Fee waiver spend
₹1,00,000 · verified 8 Jul 2026 Below catalog median waiver (₹2,00,000 vs ₹1,00,000).
Interest-free period
Up to 50 days · verified 8 Jul 2026

International Use

Forex markup
3.5%

4 sources agree · verify issuer terms before applying

Where to verify
Product tier
Entry-level

Fuel Benefits

At the pump

No verified fuel benefit available.

Annual fee break-even math

When does this card pay for itself
₹50K Break-even using base rewards to offset ₹499 fee

Base rewards only: at base earn rates, you need roughly ₹50K in yearly spend to offset the ₹499 annual fee.

Compare with similar cards

Similar tier · similar benefits
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SBI Card Tata Neu Plus
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SBI Card Tata Neu Plus
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SBI Card Tata Neu Plus
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The fine print

Caps · exclusions · sources · last refresh

These spends do not earn reward points.

Other

  • The following Excluding Categories
  • AURUM
  • Prime NRI Secured
  • IndiGo SBI Card ELITE

Expiry: 24 months

  • Travel redemption: ₹99 redemption fee per redemption
  • Annual fee: ₹499.
  • Forex markup currently listed at 3.5%.
  • 1 per quarter domestic lounge.

Learn more

Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Information updated 11 Jul 2026. moneymatters.cards Theme preferences are saved in this browser only.