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Tata Neu Infinity SBI Card vs Tata Neu Plus SBI Card

A head-to-head comparison of Tata Neu Infinity SBI Card and Tata Neu Plus SBI Card across fees, rewards, and spending categories to help you decide which card suits your wallet better.

RuPay & UPICard A
Annual Fee
₹1,499
Reward Rate
Up to 1.5% on UPI
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RuPay & UPICard B

Tata Neu Plus SBI Card

Budget UPI Spenders

Annual Fee
₹499
Reward Rate
Up to 1% on UPI
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Feature comparison

FeatureTata NeuTata Neu
Annual Fee₹1,499 (Waived on ₹3L spend)₹499 (Waived on ₹1L spend)
Reward RateUp to 1.5% on UPIUp to 1% on UPI
Best ForUPI Power UsersBudget UPI Spenders
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategoryTata NeuTata Neu
Online shopping
Groceries
UPI payments
Airport lounge access

Quick verdict

Choose Tata Neu Infinity SBI Card if:

  • You spend heavily on groceries
  • You spend heavily on airport lounge access

Choose Tata Neu Plus SBI Card if:

  • Lower annual fee (₹499 vs ₹1,499)
  • This is your first credit card

Full pros & cons

Tata Neu Infinity SBI Card

What's good
  • Up to 1.5% UPI cashback via RuPay (0.5% base + 1% bonus via Tata Neu UPI ID)
  • 10% NeuCoins back on Tata brands (BigBasket, 1mg, Croma)
  • 5% NeuCoins on other Tata app purchases
  • 2 complimentary domestic lounge visits per quarter on ₹50,000 quarterly spend (up to 8/year)
Watch out for
  • UPI rewards are strictly capped at 500 NeuCoins per calendar month
  • NeuCoins redeemable only within Tata app ecosystem
  • High ₹3L spend required for annual fee waiver
  • NeuCoins now expire after 12 months from end of credit month (since August 2025)
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Tata Neu Plus SBI Card

What's good
  • Low ₹499 annual fee with easy ₹1L waiver threshold
  • Up to 1% UPI cashback via RuPay (0.25% base + 0.75% bonus via Tata Neu UPI ID)
  • 5% NeuCoins on Tata brand purchases
Watch out for
  • UPI rewards are strictly capped at 500 NeuCoins per calendar month
  • Only 0.25% UPI reward without Tata Neu UPI ID — most users won't get full 1%
  • NeuCoin redemption restricted to the Tata app ecosystem
  • NeuCoins now expire after 12 months from end of credit month (since August 2025)
Apply Now
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