SBI Card · researched credit card
Tata Neu Infinity SBI Card
A Tata-ecosystem rewards card with UPI relevance on the RuPay variant and spend-conditioned lounge access.
First-party evidenceActiveReviewed September 11, 2026
Annual fee₹1,499 + applicable taxes under the current SBI Card MITC.
Joining fee₹1,499 + applicable taxes under the current SBI Card MITC.
NetworkRuPay / other available variant as offered
Last reviewedSeptember 11, 2026
Research processPublished by littleden.blog
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
2 first-party sources
Last checkedSeptember 11, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateWithin scheduled review window
Target recheck: October 26, 2026.
Decision brief
Start with fit before chasing headline benefits.
The card may be attractive for a specific use case while still being a poor fit once fees, spending thresholds, exclusions or travel conditions are considered.
- NeuCoins are ecosystem rewards, not cash.
- Lounge access has a prior-quarter spend condition.
- Check excluded MCCs and current Tata-brand earn rules.
Four critical factors
Read these four fields before anything else.
They usually determine whether the card's published proposition survives contact with your actual spending and travel pattern.
Published terms
Exact decision fields from the maintained profile.
These fields preserve source wording and conditions rather than reducing the card to a single score.
Joining fee₹1,499 + applicable taxes under the current SBI Card MITC.
Annual fee₹1,499 + applicable taxes under the current SBI Card MITC.
Fee waiverRenewal fee is waived on annual spends of ₹3 lakh or more in the preceding year.
RewardsReviewed SBI listing states 5% back as NeuCoins on eligible Tata Neu/Tata-brand non-EMI spends and 1.5% on eligible non-Tata/UPI spends for RuPay variant
NetworkRuPay / other available variant as offered
Lounge access8 complimentary domestic lounge visits per year, capped at 2 per quarter, after ₹75,000 spend in the previous quarter on the reviewed SBI Card listing.
Forex markup1.99% foreign-currency transaction fee under the current SBI Card MITC; DCC is also listed at 1.99% for qualifying INR-denominated international or overseas-registered-merchant transactions.
Source-dated lounge entitlement
Current lounge access conditions
Status: Active · Reviewed September 11, 2026. Lounge access is an effective-dated relationship, not a permanent property of the card.
Domestic airport8 complimentary domestic airport lounge visits per year, capped at 2 per quarter.
International airportCurrent SBI Card directory reviewed for v1.54 does not state a current international quota for this profile; no older launch quota is promoted to current.
Railway loungeNo railway-lounge entitlement is stated in the reviewed current SBI Card source.
Visit quotaDomestic: 2 per quarter / 8 per year.
Qualification₹75,000 card spend in the previous quarter is required for the domestic lounge benefit.
Network / programmeSBI Card lounge programme; exact participating lounge/network list remains source-controlled.
Access methodUse the eligible card/programme at participating lounges subject to current validation rules.
Guest / add-onNo guest/add-on entitlement is inferred from the reviewed current directory listing.
Beyond allowanceVisits beyond the complimentary quota are not treated as free; current lounge/network charges control.
Effective stateCurrent reviewed terms
Scope checks
- The ₹75,000 threshold is previous-quarter spend, not annual fee-waiver spend.
- The dedicated lounge overlay controls over any stale generic lounge sentence elsewhere in the card profile.
Value interpretation
Separate published mechanics from personal value.
The same card can produce very different value depending on where you spend, whether you hit thresholds and whether caps or exclusions matter.
Annual-cost test
Treat the annual fee as a cost that must be recovered from benefits you would have used anyway.
Reward-value test
Reward points should be converted into a realistic rupee value using the redemption route you are actually likely to use.
Travel-benefit test
Treat lounge access, transfer partners and travel vouchers as conditional value. Check spend thresholds, visit caps and redemption rules.
Approval reality
Published eligibility is not a promise of approval. Issuers can apply internal underwriting, documentation and credit-limit policies.
Decision checklist
Five questions to answer before applying.
These questions turn the researched terms into a personal decision without estimating approval odds.
Would you pay the stated annual fee if you did not hit the waiver?
₹1,499 + applicable taxes under the current SBI Card MITC. · Renewal fee is waived on annual spends of ₹3 lakh or more in the preceding year.
Does your normal spending actually fall into the card’s rewarded categories?
Reviewed SBI listing states 5% back as NeuCoins on eligible Tata Neu/Tata-brand non-EMI spends and 1.5% on eligible non-Tata/UPI spends for RuPay variant
Are the lounge and international-use terms useful for your real travel pattern?
8 complimentary domestic lounge visits per year, capped at 2 per quarter, after ₹75,000 spend in the previous quarter on the reviewed SBI Card listing. · 1.99% foreign-currency transaction fee under the current SBI Card MITC; DCC is also listed at 1.99% for qualifying INR-denominated international or overseas-registered-merchant transactions.
Can you realistically track the caps, channels and exclusions behind the headline benefit?
NeuCoins are ecosystem rewards, not cash. Lounge access has a prior-quarter spend condition.
Does the application route fit your profile without assuming approval?
Subject to SBI Card approval
Eligibility & underwriting
Published eligibility is not an approval prediction.
Income, bureau history, geography, documentation, existing relationship and the issuer's internal underwriting can all change the outcome.
Published eligibility
Subject to SBI Card approval
Maintained comparisons
Compare this card against exact researched alternatives.
Pairs are curated only where the engine has enough decision value to justify a maintained comparison page.
Decision checks
Annual feeFee waiverReward rules
Decision checks
Annual feeFee waiverReward rules
Decision checks
Annual feeFee waiverReward rules
Decision checks
Annual feeFee waiverReward rules
Research next
Alternatives without pretending one card is universally better.
These routes help you inspect related cards, the same issuer's portfolio and—where mapped—the wider bank relationship.
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Accounts, debit cards & deposits
First-party evidence ledger
Verify the card against the documents behind the profile.
Source links, reviewed fields and unresolved verification gaps remain visible. Research freshness is not a guarantee that the issuer has not changed terms after the stated review date.
Evidence statefirst party verified
ReviewedSeptember 11, 2026
Issuer documents2
Terms confirmed in the profile
Joining feeAnnual feeFee waiverRewardsLoungeForexEligibilityStatus
Issuer evidenceDocument typeOpen
Primary sourceIssuer product pageView ↗
Supporting source 2MITC / controlling termsView ↗
Verification means these published terms were checked against the linked first-party issuer material on the review date. It does not mean the issuer guarantees approval, a credit limit or that terms cannot change later.