Tata Neu Infinity HDFC Card
The Tata Neu Infinity HDFC Bank Credit Card offers up to 5% NeuCoins on Tata Neu brands and utility bill payments, plus 1.5% rewards on other retail and UPI spends, making it ideal for frequent shoppers and digital payers. It also provides premium lounge access and exclusive partner benefits for a rewarding lifestyle experience.
Apply Now ❯| Feature | Details |
|---|---|
| Bank / Issuer | HDFC Bank |
| Card Type | RuPay, Visa |
| Joining Fee | 1499 + Applicable Taxes (No Joining Fee For Select Users) |
| Annual Fee | 1499 + Applicable Taxes |
| Welcome Benefits | Get 1499 NeuCoins only on payment of Rs. 1499 Joining Fee |
| Fee Waiver Condition | Annual fee of ₹1,499 is waived if you spend ₹3,00,000 or more in the card membership year. |
| Reward Rates | Earn 5% NeuCoins on Tata Neu brands and utility bills, 1.5% on other retail and UPI spends via Tata Neu app, and 0.5% on UPI spends through other apps |
| Eligibility Criteria (Salary) | 1200000 |
| Eligibility Criteria (Self-Employed) | 1200000 |
| Interest Rates | 3.49% per month (41.88% per annum) |
| Foreign Exchange Markup | 2% markup on international transactions |
| Best For | UPI, Utility Bills |
| Lounge Access |
Domestic: 2 per quarter | International: 1 per quarter On spends of ₹50,000+ in the last 3 months |
Key Features & Benefits
The Tata Neu Infinity HDFC Bank Credit Card offers rich rewards and a range of lifestyle perks tailored for frequent shoppers and digital payment users. You earn 5% NeuCoins on Tata Neu partner brands, Air India bookings, and utility bill payments through Tata Pay, making everyday essential spending highly rewarding. For all other retail and UPI transactions made via the Tata Neu app, the card offers 1.5% NeuCoins, ensuring consistent rewards across your usual spends. However, NeuCoin earnings are subject to fair usage caps like 2,000 NeuCoins monthly for grocery spends and 500 NeuCoins monthly on UPI transactions, which balance generous returns with responsible usage.
Beyond rewards, the card provides practical benefits such as up to 8 complimentary domestic lounge visits yearly and 4 international lounge visits via Priority Pass, offering premium travel comfort. Additional perks like 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 and zero lost card liability enhance financial security and savings. The card also supports contactless payments for quick, secure spending at retail outlets. Overall, the Tata Neu Infinity card combines high reward rates, travel convenience, and useful protection benefits, catering to premium users seeking a comprehensive credit card experience.
All You Need to Know About: Tata Neu Infinity HDFC Card
The Tata Neu Infinity HDFC Bank Credit Card is a premium co-branded credit card designed to maximize rewards for users who frequently shop within the Tata ecosystem and use digital payments. Available on Visa and RuPay networks, the card offers accelerated NeuCoins cashback of 5% on Tata Neu partner brands, including Air India, utility bill payments made through Tata Pay, and select Tata brands like BigBasket, Croma, Tata CLiQ, and Titan. Other retail spends and UPI payments via the Tata Neu app earn 1.5% NeuCoins, while UPI spends via other apps earn 0.5% NeuCoins. Cashback earnings are subject to monthly and annual caps to balance rewards with responsible usage.
The card comes with a joining fee and annual fee of ₹1,499 plus GST each, which can be waived if spending exceeds ₹3 lakhs annually. NeuCoins earned expire after 365 days and can be redeemed for purchases on Tata Neu and partner brand platforms. Cardholders benefit from 8 complimentary domestic airport lounge visits and 4 international visits yearly, plus a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000. The card supports contactless payments for quick, secure transactions and includes travel and purchase protections such as lost card liability and overseas hospitalization cover. A 2% foreign exchange markup fee applies on international spends.
Designed for salaried professionals and businesspersons with a minimum annual income of ₹12 lakhs, this card is ideal for frequent Tata shoppers, digital payment users, and travelers seeking both rewards and lifestyle privileges. Applying is simple through the HDFC Bank website, Tata Neu app, or branch visits, making it accessible and convenient for eligible users. This credit card offers a balanced blend of high cashback rates, useful perks, and premium privileges tailored for a rewarding everyday and travel experience.
Pros & Cons
Pros
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Earn up to 5% NeuCoins on Tata Neu brands and utility payments.
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1.5% cashback on all other retail and UPI spends via Tata Neu app.
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8 domestic and 4 international lounge visits annually.
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Fuel surcharge waiver of 1% on transactions between ₹400-₹5,000.
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Robust travel and purchase protection benefits.
Cons
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No rewards on fuel, wallet loads, and government spends.
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Cashback and NeuCoins have monthly/annual capping limits.
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Annual fee applies after first year unless ₹3 lakh spent annually.
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Lounge access limited by quarterly spending criteria.
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Rewards valid only for one year and redeemable only on Tata Neu ecosystem.
How to Apply
To apply for the Tata Neu Infinity HDFC Bank Credit Card, follow these simple steps:
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Visit the official HDFC Bank website or Tata Neu app and navigate to the credit cards section.
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Locate the Tata Neu Infinity Credit Card and click on the “Apply Now” button.
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Fill out the online application form with your personal and financial details accurately.
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Submit the form and wait for approval; upon acceptance, the card will be delivered to your registered address.
Detailed Fee Structure
The Tata Neu Infinity HDFC Bank Credit Card carries a joining fee of ₹1,499 plus applicable taxes, with the same amount charged annually as renewal fee. The renewal fee is waived if cardholders spend ₹3,00,000 or more within the card membership year. An additional 2% foreign currency markup fee applies on international transactions.
Other charges include a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (maximum ₹500 waiver per statement cycle), and cash withdrawal fees at 2.5%. Lost card replacement attracts a ₹100 fee, while late payment and over-limit penalties are also applicable. NeuCoins rewards exclude wallet loads, fuel payments, government transactions, and EMI payments, ensuring clarity on where benefits apply and highlighting any hidden or ancillary costs for transparency.
Who Should Get This Card?
The Tata Neu Infinity HDFC Bank Credit Card is best suited for frequent shoppers within the Tata ecosystem, including those who regularly use Tata Neu brands, Air India, and Tata Pay for utility bill payments. It’s ideal for users who make high-volume UPI transactions via the Tata Neu app and want to maximize cashback earnings.What rewards does the Tata Neu Infinity HDFC Credit Card offer?
This card also benefits premium travelers who seek complimentary airport lounge access both domestically and internationally. Additionally, salaried professionals and businesspersons with a minimum annual income of ₹12 lakhs aiming for high rewards and exclusive lifestyle perks will find this card valuable.
Alternatives & Competitor Comparison
| Feature | Tata Neu Infinity Hdfc Card | Tata Neu Plus Hdfc Card |
|---|---|---|
| Card Image | |  |
| Card Network | RuPay, Visa | RuPay |
| USP | The Tata Neu Infinity HDFC Bank Credit Card offers up to 5% NeuCoins on Tata Neu brands and utility bill payments, plus 1.5% rewards on other retail and UPI spends, making it ideal for frequent shoppers and digital payers. It also provides premium lounge access and exclusive partner benefits for a rewarding lifestyle experience. | The Tata Neu Plus HDFC Bank Credit Card delivers accelerated NeuCoins rewards on Tata brand and Tata Neu app spends, coupled with fuel surcharge waivers and exclusive domestic lounge access, making it ideal for Tata loyalists and lifestyle-focused shoppers. |
| Annual Fee | 1499 + Applicable Taxes | 499 + Applicable Taxes |
| Joining Fee | 1499 + Applicable Taxes (No Joining Fee For Select Users) | 499 + Applicable Taxes (No Joining Fee For Select Users) |
| Welcome Benefits | Get 1499 NeuCoins only on payment of Rs. 1499 Joining Fee | Get 499 NeuCoins only on payment of Rs. 499 Joining Fee |
| Lounge Access | Domestic: 2 per quarter | International: 1 per quarter On spends of ₹50,000+ in the last 3 months | Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months |
| Reward Rate | Earn 5% NeuCoins on Tata Neu brands and utility bills, 1.5% on other retail and UPI spends via Tata Neu app, and 0.5% on UPI spends through other apps | Earn 2% NeuCoins on Tata Neu and Tata brand spends, 1% NeuCoins on other transactions including UPI (with monthly cap), plus an extra 5% NeuCoins on select Tata Neu categories with Tata NeuPass membership. |
| Interest Rate | 3.49% per month (41.88% per annum) | 3.6% per month (43.20% per annum) on revolving credit and cash advances |
| Best For | UPI, Utility Bills | UPI |
| Apply Now | Apply Now | Apply Now |
Frequently Asked Questions
What rewards does the Tata Neu Infinity HDFC Credit Card offer?
The Tata Neu Infinity HDFC Bank Credit Card gives up to 5% NeuCoins cashback on Tata Neu brands and utility bill payments, while other retail and UPI spends earn 1.5% NeuCoins, making it a high-reward card for frequent Tata ecosystem users.
How can I waive the annual fee on my Tata Neu Infinity HDFC Credit Card?
The ₹1,499 annual fee is waived if you spend ₹3,00,000 or more in a card membership year, allowing frequent users to avoid renewal charges.
Does the Tata Neu Infinity HDFC Credit Card provide airport lounge access?
Yes, cardholders get 8 complimentary domestic lounge visits and 4 international lounge visits per year, enhancing travel convenience and comfort.
What is the foreign exchange markup fee on the Tata Neu Infinity HDFC Credit Card?
A 2% foreign currency markup fee is charged on all international transactions made using the Tata Neu Infinity HDFC Bank Credit Card.
How do I redeem NeuCoins earned from my Tata Neu Infinity HDFC Credit Card?
NeuCoins can be redeemed seamlessly for purchases on Tata Neu and partner brand platforms, including Air India, BigBasket, Tata CLiQ, and more, directly via the Tata Neu app or website.
Final Verdict
Is the Tata Neu Infinity HDFC Credit Card right for you? If you are a frequent Tata ecosystem shopper or a regular UPI user looking to maximize rewards, this card offers an impressive 5% cashback on Tata Neu brands and 1.5% on everyday spends via the Tata Neu app. Its premium benefits, including domestic and international lounge access, complement a high-reward lifestyle perfectly. With an annual fee that can be waived on adequate spending, it’s a smart choice for savvy spenders. Apply now to unlock exclusive Tata partner savings and premium privileges.
