SBI

Tata Neu Plus Credit Card

Good for everyday spend that earns rewards.

Should you get this?

Conditional fit

Verified

Why this card

  • Up to 5 NeuCoins / ₹100 on Tata Neu Select Accelerated
  • You spend on tata Neu Select Accelerated.
Issuer evidence · 3 sources →

Trade-off

The annual fee (₹499) is waived only when eligible annual spend exceeds ₹1,00,000.

Annual fee ₹499 per year
Rewards 1 NeuCoins / ₹100 base
Lounge access 1 per quarter · ₹50,000 spend in the previous calendar quarter
Forex markup 3.5% high
Compare with Axis Bank ACE →

Similar tier comparison

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend1 NeuCoins / ₹100Credited as reward points—
Tata Neu Select Accelerated5 NeuCoins / ₹100Credited as reward points—
BigBasket (domestic)2 NeuCoins / ₹100Credited as reward points—
Croma (domestic)2 NeuCoins / ₹100Credited as reward points—
Show all 10 earning rules (6 more)
Cult.fit (domestic)2 NeuCoins / ₹100Credited as reward points—
Tata CLiQ (domestic)2 NeuCoins / ₹100Credited as reward points—
Grocery1 NeuCoins / ₹100Credited as reward points1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend
Insurance1 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend
Telecom1 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend
Utilities1 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend

Redemption value

What a NeuCoin is worth

  1. Catalogue₹1 / pt

When does this card pay for itself?

Rewards break-even estimate
₹50K

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 get

Eligible spend

1 NeuCoins per ₹100 on eligible spend

Verified value

₹1 per point

Catalogue

Caps

  • Grocery1,000 NeuCoins per month
    Why?

    at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend

  • Insurance2,000 NeuCoins per month
    Why?

    at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend

  • Telecom2,000 NeuCoins per month
    Why?

    at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend

View full earning rules →

Realisation

Credited as reward points

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹1,00,000yearAnnual fee waiver
Domestic lounge spend gate₹50,000quarterLounge eligibility

Watch outs

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

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (1 NeuCoins / ₹100). Up to ~500 NeuCoins/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • Worth ~₹500 at the conservative redemption floor
  • 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 (unlocks the following quarter)

Issuer documented · single source · verify on issuer site

Where to verify
  • Operator-verified anchor
International (cardholder)
Not included on base card No international lounge access.

Issuer documented · single source · verify on issuer site

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

Rewards

Base earn
1 NeuCoins per ₹100 · verified 8 Jul 2026 value depends on redemption
Effective return (honest floor)
~1% 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
₹499
Joining fee
₹499 · verified 8 Jul 2026
Fee waiver spend
Above ₹1,00,000 · verified 8 Jul 2026 Annual fee waived on eligible anniversary-year spend above ₹1,00,000.
Interest-free period
Up to 50 days · verified 8 Jul 2026

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Entry-level

Travel & perks

Fuel Benefits

At the pump

No verified fuel benefit available.

Fine print & compare

Compare with similar cards

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The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Grocery cap: 1,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹1,00,000 of eligible spend.
  • Insurance cap: 2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend.
  • Telecom cap: 2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 of eligible spend.
  • Utilities cap: 2,000 NeuCoins per month; at 1 NeuCoins / ₹100, this lane reaches the cap at ₹2,00,000 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: 6

These spends do not earn reward points.

Payments

  • Rent

Financial

  • Fuel
  • Wallet loads
  • Insurance premiums

Utilities

  • Utilities

Other

  • Telecom → dedicated capped lane

Latest update

  • Annual fee: ₹499.
  • Forex markup currently listed at 3.5%.
  • 1 per quarter domestic lounge · ₹50,000 spend in the previous calendar quarter.

Common questions

From verified card facts

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 above ₹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) — welcome. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

All guides →
Last refreshed 4 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

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

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