SBI Tata Neu Infinity Credit Card: Unlock Premium Rewards and Benefits
Welcome to your ultimate guide on the SBI Tata Neu Infinity Credit Card, a premium co-branded credit card designed for avid shoppers and travelers. This card offers exceptional rewards, exclusive lounge access, and seamless integration with the Tata Neu ecosystem. Whether you shop at BigBasket, book flights with Air India, or indulge at Taj Hotels, this card maximizes your savings with up to 10% NeuCoins on select spends. In this comprehensive guide, we’ll explore its features, rewards, fees, eligibility, and application process to help you decide if it’s the right fit for your lifestyle. Let’s dive in!
Why Choose the SBI Tata Neu Infinity Credit Card?
The SBI Tata Neu Infinity Credit Card is tailored for those who frequently shop within the Tata Neu ecosystem. With accelerated rewards, low forex markup fees, and complimentary lounge access, it’s a versatile card for both domestic and international use. Its RuPay variant also supports UPI transactions, making it ideal for everyday payments. Whether you’re a frequent traveler or a Tata brand loyalist, this card offers unmatched value. Read on to discover its benefits, how to apply, and tips to maximize rewards.
About SBI Tata Neu Infinity Credit Card
The SBI Tata Neu Infinity Credit Card is a premium co-branded card offering up to 10% NeuCoins on Tata Neu and partner brand spends. Ideal for Tata ecosystem shoppers, it provides 8 domestic and 4 international lounge visits annually, a 1% fuel surcharge waiver, and a low 1.99% forex markup fee. With a joining fee of ₹1,499, it’s perfect for travelers and shoppers seeking exclusive rewards. Apply online via SBI Card’s website and enjoy seamless UPI payments with the RuPay variant.
Basic Details of SBI Tata Neu Infinity Credit Card
Detail
Information
Card Issuer
SBI Card
Joining Fee
₹1,499 + Taxes
Renewal Fee
₹1,499 + Taxes (Waived on ₹3,00,000 annual spend)
Card Category
Premium, Lifestyle, Co-branded
Rewards
Up to 10% NeuCoins on Tata Neu spends, 1.5% on others
Airport Lounge Access
8 domestic (2/quarter, ₹75,000 spend in prior quarter), 4 international (1/quarter)
Railway Lounge Access
Not Available
Forex Markup Fee
1.99% + Taxes
Fuel Surcharge Waiver
1% (₹500-₹4,000, max ₹500/month)
Extra Details of SBI Tata Neu Infinity Credit Card
The SBI Tata Neu Infinity Credit Card is available on Visa and RuPay platforms, with the RuPay variant enabling UPI transactions for seamless payments. It offers a welcome benefit of 1,499 NeuCoins upon paying the joining fee, effectively offsetting the first-year cost. Cardholders can empower family members with add-on cards for those above 18. The card supports contactless payments and cash withdrawals at over 1 million Visa/Mastercard ATMs globally. Balance transfer on EMI is also available for managing other credit card dues.
Features and Benefits
High Reward Rate: Earn up to 10% NeuCoins on select Tata Neu spends and 1.5% on other eligible spends.
Lounge Access: 8 domestic (2/quarter, ₹75,000 prior quarter spend) and 4 international (1/quarter) lounge visits.
Low Forex Markup: 1.99% on international transactions, ideal for travelers.
Fuel Surcharge Waiver: 1% waiver on transactions between ₹500-₹4,000, up to ₹500/month.
UPI Support: RuPay variant allows 1.5% NeuCoins on UPI spends, capped at 500 NeuCoins/month.
Add-on Cards: Extend benefits to family members above 18.
Contactless Payments: Fast and secure transactions at retail outlets.
Rewards and Cashback
10% NeuCoins: On select Tata Neu app/website spends (5% base + 5% with NeuPass).
5% NeuCoins: On non-EMI spends at Tata Neu and partner brands (e.g., Air India, BigBasket, Croma).
1.5% NeuCoins: On non-Tata brand spends and UPI transactions (RuPay variant, capped at 500 NeuCoins/month).
Welcome Benefit: 1,499 NeuCoins on first transaction within 30 days of card issuance.
Redemption: 1 NeuCoin = ₹1, redeemable at Tata Neu and partner brands.
Exclusions: No NeuCoins on fuel, wallet loads, rent, government transactions, or EMI spends.
Fees and Charges
Fee Type
Amount
Joining Fee
₹1,499 + Taxes
Renewal Fee
₹1,499 + Taxes (Waived on ₹3,00,000 annual spend)
Forex Markup Fee
1.99% + Taxes
Fuel Surcharge Waiver
1% (₹500-₹4,000, max ₹500/month)
Lounge Access Fee
$27 + Taxes per visit beyond complimentary limit
Cash Advance Fee
2.5% or ₹500 (whichever is higher)
Overlimit Fee
2.5% or ₹600 (whichever is higher)
Eligibility Criteria
Nationality: Indian nationals only.
Age: 21-60 years for salaried, 21-65 years for self-employed.
Income: Minimum monthly income of ₹1,00,000 (salaried) or ITR of ₹12,00,000 p.a. (self-employed).
Credit Score: Good credit score (preferably 750+).
Employment: Stable employment or business income.
Documents Required
Identity Proof: Aadhaar Card, PAN Card, Passport, or Voter ID.
Address Proof: Aadhaar Card, Utility Bill, Passport, or Rental Agreement.
Income Proof: Salary slips (last 3 months), ITR (last 2 years), or Form 16.
Photograph: Recent passport-sized photograph.
Bank Statement: Last 6 months’ bank statements (if required).
How to Apply for SBI Tata Neu Infinity Credit Card
The SBI Tata Neu Infinity Credit Card is a strong choice for Tata Neu ecosystem users, offering up to 10% NeuCoins on select spends and 1.5% on others. Its lounge access (8 domestic, 4 international) and low 1.99% forex markup make it travel-friendly. The RuPay variant’s UPI support is a standout feature. However, the ₹75,000 quarterly spend requirement for domestic lounge access and capped UPI rewards (500 NeuCoins/month) may limit its appeal. Ideal for Tata loyalists, but those seeking broader rewards might consider alternatives like HDFC Regalia.
Disclaimer
The information provided about the SBI Tata Neu Infinity Credit Card is for informational purposes only and may not be accurate or up-to-date. This is not an official website of SBI Card or Tata Neu. Please verify details with the official SBI Card website before applying. CreditCardPath.in is not responsible for any discrepancies or losses incurred.
This comprehensive guide helps you navigate India's credit card landscape with confidence. Learn how to choose the right card, understand fees and rewards, improve your credit score, and use credit cards wisely.
Accumulate points redeemable for free hotel stays, room upgrades, and other benefits.
Example: 10 points per ₹100, 5000 points = 1 free night
Maximizing Your Rewards
✓ Use the right card for each spending category (e.g., travel card for flights, cashback card for groceries)
✓ Take advantage of bonus categories that offer extra points/cashback
✓ Pay attention to reward caps and exclusions
✓ Combine cards to maximize different reward types
✓ Redeem points strategically for maximum value
✗ Avoid carrying balances as interest will negate rewards
Reward Calculator
Your estimated annual rewards: ₹0
Credit Card Fees & Charges
Understanding the various fees associated with credit cards helps avoid surprises and manage costs.
Common Credit Card Fees
Fee Type
Typical Charge
How to Avoid
Joining Fee
₹0-₹50,000
Look for lifetime free cards or first-year free offers
Annual Fee
₹0-₹50,000
Negotiate waiver, meet spend requirements, or downgrade
Interest Charges
24-49% p.a.
Pay full balance by due date every month
Late Payment Fee
₹100-₹1,000
Set up autopay or payment reminders
Cash Advance Fee
2.5-3.5% of amount
Avoid cash withdrawals on credit card
Foreign Transaction Fee
3-4% of transaction
Use cards with no forex markup for international spends
Fee Waiver Strategies
Annual fee waiver: Many banks waive fees if you spend a certain amount annually
Lifetime free cards: Several no-fee cards offer decent rewards
Negotiation: Call customer care to request fee waiver, especially if you're a good customer
Downgrade: Switch to a no-fee version of your card before annual fee is charged
Credit Card Eligibility Criteria
Each bank has specific requirements for approving credit cards based on income, credit score, and other factors.
General Eligibility Requirements
Income Requirements
Minimum annual income typically ranges from ₹1.5 lakh for basic cards to ₹18 lakh+ for premium cards.
Salaried vs self-employed may have different documentation requirements
Age Requirements
Most banks require applicants to be between 21-65 years old (18+ for student cards).
Some premium cards may have higher minimum age requirements
Credit Score
Generally need a score of 750+ for premium cards, 650+ for basic cards.
First-time applicants may get secured or low-limit cards
Employment Status
Salaried, self-employed, or students (with parental consent) can apply.
Some professions may get preferential treatment
Documents Required
Identity Proof: PAN card, Aadhaar, Passport, or Driver's License
Address Proof: Aadhaar, Utility bill, Rental agreement, or Passport
Income Proof: Salary slips (3-6 months), Bank statements, or IT returns
Photos: Usually 1-2 passport size photographs
Credit Card Application Process
Follow these steps to successfully apply for a credit card in India.
1
Check Your Eligibility
Review income, age, and credit score requirements
Compare cards that match your spending habits
Check if you're pre-approved for any cards (through net banking/apps)
2
Gather Required Documents
Identity proof (PAN card mandatory)
Address proof (not older than 3 months)
Income proof (salary slips/bank statements)
Passport size photographs
3
Choose Application Method
Online: Bank website, third-party aggregators
Offline: Bank branch, sales agents, or customer care
Pre-approved: Through existing banking relationship
4
Submit Application
Fill application form completely and accurately
Upload/attach required documents
Review terms and conditions carefully
Submit application and note reference number
5
Verification Process
Bank may call for verification
KYC may be done through video or in-person
Additional documents may be requested
6
Approval & Dispatch
Approval typically takes 3-7 working days
You'll receive SMS/email with approval details
Card is dispatched via courier (2-5 days)
7
Activation & First Use
Activate card via SMS, call, or net banking
Set PIN at ATM or through mobile banking
Make first transaction (some banks require this for activation)
Tips for Faster Approval
Apply with your primary bank where you have accounts/relationships
Ensure all information matches your official documents
Maintain a good credit score (750+)
Follow up politely if processing is delayed
Understanding Credit Scores
Your credit score is a crucial factor in credit card approvals and interest rates offered.
What is a Credit Score?
A 3-digit number (300-900) that represents your creditworthiness based on your credit history. In India, CIBIL is the most popular bureau, followed by Experian, Equifax, and CRIF High Mark.
750
300 (Poor)600 (Fair)750 (Good)900 (Excellent)
How Credit Scores Are Calculated
Payment History (35%): Timely payments boost score, late payments hurt
Credit Utilization (30%): Keep below 30% of total limit
Credit Age (15%): Longer credit history is better
Credit Mix (10%): Healthy mix of different credit types
New Credit (10%): Too many new applications can lower score
Improving Your Credit Score
Pay On Time
Set up autopay or reminders to never miss due dates.
Keep Utilization Low
Aim to use less than 30% of your total credit limit.
Limit New Applications
Space out credit applications by 6+ months.
Maintain Old Accounts
Don't close old credit cards as they help credit history length.
Be aware of these common credit card scams and protect yourself from fraud:
1. Phishing Calls/SMS
How it works: Scammers call/SMS pretending to be from your bank, asking for card details or OTP to "update records" or "unblock card".
Protection: Never share OTP, CVV, or PIN. Banks never ask for these details.
2. Fake Reward Points
How it works: You get messages saying you've earned reward points with a link to claim them, which is actually a phishing site.
Protection: Always check reward points through official bank apps/websites only.
3. Skimming Devices
How it works: Fraudsters install devices on ATMs/swipe machines to steal card data when you use them.
Protection: Use contactless payments or cover PIN pad when entering PIN. Check for tampering.
4. Fake Customer Care Numbers
How it works: Fraudsters list fake customer care numbers online that connect to them instead of the bank.
Protection: Always use customer care numbers from official bank cards/statements.
What to Do If Scammed
Immediately call bank's official customer care to block card
Change all online banking passwords
File complaint with bank and cyber crime police
Monitor statements for unauthorized transactions
Know the Credit Card Traps
These common traps can lead to debt if you're not careful:
1. Minimum Payment Trap
Paying only the minimum amount due (typically 5% of balance) leads to high interest charges that keep growing.
Solution: Always pay full balance by due date.
2. Reward Points Obsession
Spending more just to earn rewards often costs more than the rewards' value.
Solution: Use card for planned purchases only.
3. EMI Conversion Offers
Converting purchases to EMIs seems convenient but often has hidden charges and higher effective interest.
Solution: Read all terms before converting to EMI.
4. Free Credit Period Misunderstanding
Many think all purchases get 50-day interest-free period, but cash advances and some transactions don't qualify.
Solution: Understand your billing cycle and due dates.
5. Annual Fee Waiver Conditions
Some cards waive fees only if you spend a certain amount, which may tempt you to overspend.
Solution: Choose no-fee cards or negotiate waivers.
Think Before Spending
Responsible credit card use requires mindful spending habits:
Questions to Ask Before Every Purchase
Do I really need this or just want it?
Can I pay the full amount when the bill comes?
Is this purchase within my monthly budget?
Am I buying this just to earn reward points?
Would I buy this if I had to pay cash right now?
Smart Spending Strategies
Budget First
Set a monthly spending limit for your card based on your income and expenses.
Track Regularly
Check your spending weekly using bank apps to stay on track.
Use Alerts
Enable SMS/email alerts for all transactions to monitor spending.
Separate Needs/Wants
Use different cards for essential vs discretionary spending.
The 30-Day Rule
For non-essential purchases over ₹5,000, wait 30 days. If you still want/need it after 30 days, then buy it.
How You Can Make Money Through Credit Cards
Smart credit card use can actually help you earn money if done responsibly:
1. Sign-up Bonuses
Many cards offer cash bonuses or reward points when you spend a certain amount in the first few months.
Example: Spend ₹50,000 in first 3 months and get ₹5,000 cashback.
2. Reward Arbitrage
Use cards that give more points for specific categories and redeem for maximum value.
Example: Use travel card for flight bookings to earn miles worth more than cashback.
3. Referral Programs
Earn money by referring friends to apply for cards through your referral link.
Example: Some banks pay ₹1,000-5,000 per successful referral.
4. Reselling Gift Cards
Buy discounted gift cards using reward points and resell them for cash.
Note: Check bank policies as some prohibit this.
5. Flipping Products
Buy products during card-specific sales (with additional discounts) and resell.
Example: Buy electronics during 10% cashback offers and sell at 5% profit.
Important Warning
These methods require discipline. Never spend just to earn rewards or you'll lose more than you gain.
Always pay full balance on time to avoid interest charges that negate earnings.
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List of All Credit Cards Available in India
Discover a comprehensive list of credit cards available in India, featuring card names, issuers, types, and links for more information. Whether you're seeking cashback, travel rewards, or lifestyle benefits, find the ideal card to match your financial goals.
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