Is SBI Card Tata Neu worth the ₹{fee} annual fee?
Aanya Deshpande
Asked 20 Apr 2026
I'm comparing SBI Card Tata Neu with a couple of other cards in the same price bracket. Is the rewards rate and lounge access good enough to justify the ₹0.00 annual fee for someone whose monthly spend is ₹2,00,000?
3 Answers
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
I have had a hard time getting this card approved twice. The third time I applied after a 10% salary hike and got instant approval. Banks re-check eligibility every time. If you got rejected, improve your income proof / CIBIL and reapply after 6 months.
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