5% Value Back as NeuCoins on spends via Tata Neu App/Website and partner Tata brands.
1.5% Value Back as NeuCoins on all other spends including UPI transactions on the RuPay variant.
8 domestic and 4 international airport lounge visits per year via Priority Pass.
1 NeuCoin = ₹1 value, redeemable across Tata Neu platform and partner brands.
Monthly NeuCoins cap of 2,000 each on Grocery, Insurance, Utility, and Telecom categories; UPI capped at 500 NeuCoins per month.
Fees
Joining FeeYou receive 1,499 NeuCoins (₹1,499 value) within 15 days of realisation of the joining fee.
₹1,769
₹1,499 + GST
Annual FeeThe annual fee is waived if you spend ₹3 lakh or more in a year on your card, as per bank policy.
₹1,769
₹1,499 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup1.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (1.99%): ₹100 → ₹1.99 ₹1,000 → ₹19.90 ₹10,000 → ₹199.00 ₹1,00,000 → ₹1,990.00
1.99%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid.
3.75%
ATM Withdrawal2.50% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionA reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request.
₹99
Railway SurchargeA surcharge is applied to transactions made for booking railway tickets, as prescribed by IRCTC / Indian Railways.
As prescribed by IRCTC / Indian Railways
Rent PaymentA flat fee of ₹199 plus applicable GST is charged per rent payment transaction made using the credit card. Processing fee will not be reversed in case of transaction reversal, cancellation, or refund.
₹199
Cheque PaymentA fee of ₹250 plus applicable taxes is charged for payments made by depositing cash at a select State Bank of India branch. No fee is applicable for payments made at Karur Vysya Bank branches.
₹200
Cash Payment₹250 + GST is charged for cash payments made at SBI branches.
₹250
Late Payment Charges
Amount due
Fee
Value: ₹0–₹500
₹0
₹501–₹1,000
₹400
₹1,001–₹10,000
₹750
₹10,001–₹25,000
₹950
₹25,001–₹50,000
₹1,100
Above ₹50,000
₹1,300
An additional Late Payment Charge of ₹100 will be levied if the Minimum Amount Due (MAD) is not paid by the due date for two consecutive billing cycles. This ₹100 charge will continue to apply in every cycle until the MAD is cleared in full.
