5 Solid Reasons to Apply for Tata Neu Infinity SBI Card

Tata Neu Infinity is a popular card in the industry. But did you know there are two variants you can apply for? 

The more popular HDFC variant and then there is the SBI Card variant of Infinity, too. So, what’s the difference? I had the same question and thought of looking at the SBI variant in depth here. 

A Quick Snapshot: Tata Neu Infinity SBI Card

The card comes with a ₹1,499 joining fee, waived if you spend ₹3 lakh a year. There’s also a welcome reward of 1499 NeuCoins (1 coin equals 1 INR). 

You earn 5% NeuCoins on Tata apps and partner brands, 1.5% on other spends including UPI, and it offers both domestic and international lounge access if you meet the spend milestones. 

Why This Card is Worth a Second Look? 

One Reddit thread that I was reading told me that the user liked the 5% NeuCoin rewards when the card was used directly through the Tata Neu app.

If you already use BigBasket, Croma, or Westside online, it’s like stacking loyalty points on top of your usual purchases. 

Power users also mentioned that the real juice is in high-value spends through the Tata Neu ecosystem during special offers where you get an extra 5% boost.

Now, let’s look at some real reasons.

Reason #1: The 5% NeuCoin Magic That Actually Works

Buying a Croma laptop? Monthly groceries from BigBasket? Clothes from Westside? The 5% NeuCoins per rupee actually show up: it’s not delayed miles or confusing vouchers. I saw NeuCoins credited within a few days of confirmation.

Real-Life Spend Example

When I spent ₹12,000 on Croma for home gadgets, I earned around ₹600 worth in NeuCoins. That felt better than 1.5% cashback elsewhere. On BigBasket, my grocery bills already cross ₹8,000 monthly, earning me ₹400 in NeuCoins: simple math, real benefit.

A Note on Reward Capping: There is a cap on certain categories. A Reddit user pointed this out. UPI rewards are limited to 500 NeuCoins per month and EMI spends don’t earn any. It’s not hidden, but easy to overlook.

Reason #2: Rewards on UPI Spends 

With the RuPay version linked to UPI, even small vendor payments earn 1.5% back. Paying the milkman or a café bill stops feeling useless when every 100 rupees earns you 1.5 NeuCoins.

Monthly Cap Reminder: The 500 NeuCoin limit matters. I now track my UPI spends using the Tata Neu dashboard. Once I hit around ₹33,000, extra UPI spends don’t earn more rewards.

Comparison with Regular Cashback Cards: Compared to SBI Cashback or Amazon ICICI, this one rewards everyday offline UPI payments better. Those cards don’t count UPI at all. That alone makes it a handy backup card in my wallet.

Reason #3: Airport Lounge Access 

You get 8 domestic visits a year if you spend ₹75,000 in the previous quarter. Sounds huge, but regular monthly use on groceries, fuel, and travel easily covers that mark.

The Priority Pass Perk: Priority Pass is complimentary but has limited free entries only.

Reason #4: Fee Waivers That Feel Achievable

To avoid the ₹1,499 renewal fee, spend ₹3 lakh a year. That might sound steep, but if you use the card for all groceries, bills, and e-commerce, it balances out easily.

That’s about ₹25,000 per month. I hit that just through grocery, petrol, and one online gadget purchase occasionally. It’s definitely doable without stretching your limit.

Reason #5: Cashback Simplicity 

I’ve used points-based cards before and always got lost in conversions. NeuCoins feel like cash: 1 coin equals ₹1. Simple, no decoding needed.

How I Treat NeuCoins as Extra Cash: I spend them directly inside Tata Neu while buying essentials. NeuCoin savings can pay a good part of your BigBasket bills. That’s real savings. 

The One Caveat You Should Be Aware Of (Expiry Window): NeuCoins expire in 24 months, so don’t hoard them for too long. I redeem mine every few months before they lapse.

Real User Opinions about this Card

What Reddit Likes Most About This Card

Frequent Tata Neu users on this Reddit discussion agreed that consistent Tata spending is where this card shines. They liked that NeuCoins were credited reliably and redemption was easy.

There are certainly some concerns, too. 

Some users felt the reward system is confusing, especially caps and excluded categories. I’ve experienced this with EMI transactions not earning points. Knowing these small details avoids disappointment.

But the Sentiment Trend is Mostly Positive Among Tata Users

If your lifestyle includes Tata brands, online groceries, or frequent travel, it’s genuinely useful. For others, it feels average.

Why This Card May Not Fit Your Lifestyle?

1. If You Rarely Shop from Tata Brands: If BigBasket, Croma, or Tata CLiQ aren’t part of your usual spending, you won’t feel the benefit of the ecosystem rewards.

2. If You Chase Travel Miles or Luxury Upgrades. This card focuses on cashback in the Tata space, not flight upgrades or hotel tie-ups. It’s not for travel hackers.

3. If You’re a Minimalist Credit Card User. If you prefer one single no-fee card, managing reward caps and fee waivers may feel like too much work.

Pro Hack: Maximize the Tata Neu Ecosystem

Always start transactions from the Tata Neu app so that NeuCoins track properly. BigBasket and CLiQ orders automatically sync if you use the same Tata ID.

During festive sales, Tata runs extra NeuCoin offers. Diwali 2024 gave me nearly 10% NeuCoins on Croma. Combine both and it’s double rewards.

Redeem all your coins directly on checkout on any Tata app. No math or confusing redemption portals, just a toggle switch to use them instantly.