Tata Neu Infinity vs Plus HDFC Credit Card: Rewards & Benefits Compared

Comparison Summary

Get the best value from Tata Neu Infinity and Plus credit cards by choosing based on spending habits and benefits. Tata Neu Infinity suits high spenders and frequent Tata Neu users with premium rewards of up to 5% NeuCoins, extensive lounge access, and travel insurance. Tata Neu Plus offers a more affordable option with decent 2% NeuCoin rewards, fewer lounge visits, and a lower annual fee. Both cards require minimum annual spends for fee waivers and offer cashback redemption through the Tata Neu app, making them ideal for users active in the Tata ecosystem who want simple, valuable rewards and lifestyle perks

Feature	Tata Neu Infinity Hdfc Card	Tata Neu Plus Hdfc Card
Card Image	HDFC Bank	HDFC Bank
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

Fees & Charges: Tata Neu Infinity vs Plus HDFC Credit Cards

Fee Type	Tata Neu Infinity HDFC Credit Card	Tata Neu Plus HDFC Credit Card
Annual/Joining Fee	₹1,499 + GST; waived on ₹3 lakh spend/year	₹499 + GST; waived on ₹1 lakh spend/year
Add-on Card Fee	Not explicitly specified	Not explicitly specified
Foreign Currency Markup	2% + GST	3.5% + GST
Fuel Surcharge Waiver	1% waiver, max ₹500 per statement	1% waiver, max ₹250 per statement

The Tata Neu Infinity credit card charges an annual or joining fee of ₹1,499 plus GST, which is waived when the cardholder spends ₹3 lakh or more in a membership year. In contrast, Tata Neu Plus has a lower fee of ₹499 plus GST, waived on spends of ₹1 lakh annually. Neither card explicitly states add-on card fees. For foreign currency transactions, Tata Neu Infinity charges a markup of 2% plus GST, more favorable than the 3.5% plus GST markup by Tata Neu Plus. Both cards offer a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000, but the Infinity card’s waiver cap is ₹500 per statement, double the ₹250 cap on the Plus card. This comparison reflects Tata Neu Infinity’s positioning as the premium option with lower foreign fees and higher fee waivers, suitable for higher spend and international users, while Tata Neu Plus is more budget-friendly for everyday domestic users.

Welcome Benefits & Eligibility: Tata Neu Infinity vs Plus HDFC Credit Cards

The Tata Neu Infinity credit card offers a welcome benefit of 1,499 NeuCoins credited to the Tata Neu app upon completing the first transaction within 30 days of card issuance. These NeuCoins can be redeemed like cash at Tata Neu partner brands. The Infinity card typically carries an annual fee of ₹1,499 plus GST, which can be waived if the cardholder spends ₹3 lakh or more in a membership year. Eligibility details are RBI and HDFC governed, and applicants can apply online or via HDFC Bank branches, selecting the RuPay variant for added UPI transaction rewards. The application process is quick, requiring personal and financial details with approval usually within days.

The Tata Neu Plus credit card provides a welcome benefit of 499 NeuCoins on the first transaction within 30 days, which is a reversal of the first-year membership fee. It has a lower annual fee of ₹499 plus GST, waived on spends above ₹1 lakh in the membership year. Tata Neu Plus also supports contactless payments for seamless retail transactions. Eligible customers can claim the welcome benefit inside the Tata Neu app within 180 days of their eligible transaction. The application process mirrors Infinity’s, with online and branch options along with standard verification.

Lounge Access: Tata Neu Infinity vs Plus HDFC Credit Cards

Card	Lounge Access Details	Eligibility Condition
Tata Neu Infinity	2 domestic lounge vouchers per quarter (max 8/year)	Spend ₹50,000 or more in a calendar quarter
Tata Neu Plus	1 domestic lounge voucher per quarter (max 4/year)	Spend ₹50,000 or more in a calendar quarter

Both Tata Neu Infinity and Tata Neu Plus HDFC credit cards offer domestic airport lounge access based on quarterly spend milestones. As of June 10, 2025, the lounge access benefit is voucher-based, requiring cardholders to spend at least ₹50,000 in a calendar quarter to qualify for lounge access in the following quarter.

The Tata Neu Infinity cardholders receive 2 domestic lounge access vouchers per calendar quarter (up to 8 annually), while Tata Neu Plus cardholders get 1 lounge voucher per quarter (up to 4 annually). Once qualified, customers receive an SMS/email with a link to claim their lounge voucher, which must be used at eligible lounges within 180 days of issuance. This spend-based system encourages higher card usage and provides a clear reward structure for frequent travelers.

Cashback & Rewards Structure: Tata Neu Infinity vs Plus HDFC Credit Cards

Spend Category	Tata Neu Infinity HDFC Card	Tata Neu Plus HDFC Card
Tata Neu & Partner Brands	5% NeuCoins	2% NeuCoins
Utility Bill Payments (Tata Neu App)	5% NeuCoins	2% NeuCoins
UPI Spends on Tata Neu App	1.5% NeuCoins (up to 500 NeuCoins/month)	1% NeuCoins (up to 500 NeuCoins/month)
UPI Spends on Other Apps	0.5% NeuCoins	0.25% NeuCoins
All Other Spends	1.5% NeuCoins	1% NeuCoins
Wallets, Gift Vouchers & Govt Transactions	No Rewards	No Rewards
Monthly Caps on Rewards	Grocery / UPI: 2000 / 500 NeuCoins caps	Grocery / UPI: 1000 / 500 NeuCoins caps

The Tata Neu Infinity HDFC Credit Card delivers high cashback rewards with 5% NeuCoins on Tata Neu and partner brands plus utility bill payments made through the Tata Neu app. It offers 1.5% NeuCoins on all other spends including UPI payments on the Tata Neu app, capped at 500 NeuCoins per month. Spending on other UPI apps earns 0.5% NeuCoins. Rewards do not apply on wallets, gift vouchers, fuel, rent, or government payments. Monthly reward caps include 2,000 NeuCoins for grocery and 500 NeuCoins for UPI spends.

Meanwhile, the Tata Neu Plus HDFC Credit Card offers a lower cashback rate, granting 2% NeuCoins on Tata Neu and partner brands, and 1% on other spends, with similar caps on cashback for grocery and UPI transactions but at half the NeuCoin value on Tata Neu spends compared to Infinity. Both cards accrue rewards as NeuCoins, which hold a redemption value of ₹1 each and can be redeemed across Tata Neu’s partner brands seamlessly.

This reward structure favors frequent Tata Neu ecosystem users and high spenders with the Infinity card, while the Plus card suits moderate spenders seeking basic cashback rewards.

Cashback & Rewards Redemption: Tata Neu Infinity vs Plus HDFC Credit Cards

The Tata Neu Infinity and Tata Neu Plus credit cards reward users with NeuCoins, which are credited periodically and can be redeemed at a 1:1 value (1 NeuCoin = ₹1) for purchases within the Tata Neu ecosystem. NeuCoins are transferred to the Tata Neu app within 7 working days of the statement generation, and the monthly credit card statement clearly shows the breakdown of NeuCoins accrued and transferred.

To redeem NeuCoins, cardholders can use the Tata Neu app or website to apply NeuCoins toward payments at partner brands such as Tata Neu, Air India Express, Bigbasket, Croma, IHCL hotels, Tata CLiQ, Tata 1MG, and others. Offline redemption is also possible at select stores by providing the registered Tata Neu mobile number to the cashier and confirming the NeuCoins balance with an OTP authorization.

NeuCoins are non-transferable and cannot be redeemed for cash or prizes outside the Tata Neu platform. There is a 12-month validity on NeuCoins starting from the end of the month in which they are credited. Specifically, NeuCoins must be used within this timeframe or they expire. The reward points cannot be accrued on certain transactions such as refunds or returned purchases, and corresponding NeuCoins will be adjusted from the account.

Frequently Asked Questions (FAQs) on Tata Neu Infinity & Plus HDFC Credit Cards

Are Tata Neu Infinity and Plus cards lifetime free?

The lifetime free offer for both Tata Neu Infinity and Plus credit cards was available for applications made between October 1 and December 31, 2024 via HDFC Bank’s digital platform. This offer has now ended. Currently, the cards have annual fees — ₹1,499 for Infinity and ₹499 for Plus, with fee waivers on spending ₹3 lakh and ₹1 lakh annually respectively.

How do I redeem cashback and rewards on these cards?

Both cards reward users with NeuCoins, credited within 7 working days of the statement generation. NeuCoins can be redeemed at Tata Neu app partner brands like Air India Express, Bigbasket, Tata CLiQ, IHCL hotels, and others at a 1 NeuCoin = ₹1 rate. Redemption is done via the app or website by selecting NeuCoins as a payment method. NeuCoins expire 12 months after credit and are non-transferable.

How many lounge accesses do these cards offer and what are the conditions?

Tata Neu Infinity offers 2 domestic lounge access vouchers per calendar quarter (up to 8 annually), while Tata Neu Plus offers 1 voucher per quarter (up to 4 annually). To avail these, cardholders must spend a minimum of ₹50,000 in a calendar quarter. Lounge access is voucher-based and valid for 180 days from issuance.

What is the best way to maximize rewards with these cards?

To maximize rewards, focus spending on Tata Neu and partner brands where Tata Neu Infinity offers 5% NeuCoins and Plus offers 2% NeuCoins. Use the Tata Neu app for utility bill payments and UPI spends, which also earn high NeuCoin percentages. Avoid spends on wallets, gift vouchers, fuel, rent, and government transactions as these do not earn rewards.

Conclusion: Tata Neu Infinity vs Plus HDFC Credit Cards

When comparing the Tata Neu Infinity and Tata Neu Plus HDFC credit cards, the Infinity card clearly stands out as the premium option offering superior reward rates, more lounge access, travel insurance, and lower foreign currency markup fees. It’s best suited for frequent Tata Neu ecosystem users and high spenders who can maximize its 5% NeuCoin rewards on Tata Neu and partner brand spends, along with up to 8 domestic and 4 international lounge visits annually.

On the other hand, the Tata Neu Plus card offers a more budget-friendly alternative with moderate rewards (2% NeuCoins on Tata Neu spends), fewer lounge accesses, and a higher forex markup fee. It suits users who spend less but want to stay in the Tata Neu ecosystem with reasonable cashback and simple benefits.

In summary, for those looking to maximize rewards, travel perks, and premium benefits, Tata Neu Infinity is a solid choice despite its higher fee. For moderate spenders who want value without a steep cost, the Plus card is a practical pick. Both cards, however, integrate well with the Tata Neu app, giving users access to a versatile rewards platform and multiple partner benefits.