Tata Neu Infinity HDFC Bank Credit Card
Fees
₹1,499 + Taxes
Joining & AnnualReward Rate
5% NeuCoins on non-EMI spends at Tata Neu and partner Tata brands + additional 5% via NeuPass; 1.5% on non-Tata brands and EMI spends; 1.5% up to 500/month on UPI spends via RuPay
Welcome Bonus
1,499 NeuCoins on making the first transaction within 30 days of card issuance (1 NeuCoin = ₹1)
Lounge Access
2 Domestic + 1 Int'l/Qtr (₹50K Spend)
FindMyCard Expert Take
Tata Neu Infinity HDFC rewards spending across the whole Tata universe (Tata Neu, BigBasket, Croma, Westside and more) with up to 10% back in NeuCoins, plus a 1.5% rate on UPI payments via the RuPay variant. It's a strong pick if you already shop Tata brands regularly, less useful if you don't since redemption is locked to that ecosystem.
Pros & Cons
Key Advantages
- Up to 10% value back on Tata Neu, BigBasket, Croma, and other Tata brand purchases
- Welcome bonus fully offsets the first-year joining fee
- 1.5% value back on day-to-day UPI transactions via RuPay variant
- 2 domestic + 1 international lounge visit per quarter, on ₹50,000 spend in the preceding quarter
- Low foreign currency markup fee of 2%
Limitations
- No reward points earned on fuel, rental, and government expenditures
- No lifestyle milestone benefits provided outside the annual fee waiver
- Rewards can only be redeemed within the Tata Neu ecosystem
Editorial Verdict
The Tata Neu Infinity HDFC Bank Credit Card is ideally suited for tata brand ecosystem loyalists & regular upi users. If you want 5% neucoins on non-emi spends at tata neu and partner tata brands + additional 5% via neupass; 1.5% on non-tata brands and emi spends; 1.5% up to 500/month on upi spends via rupay, this card delivers real value. The ₹1,499 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+), Salaried ₹1 Lakh/month or Self-employed ITR ₹12 Lakh/annum credit to be approved.
Key Perks & Spending Milestones
5% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands (Air India, Westside, BigBasket, Croma, IHCL, Tata 1mg, etc.)
Additional 5% back as NeuCoins on transactions done on the Tata Neu app/website via Tata NeuPass
1.5% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends
1.5% back as NeuCoins (up to 500 NeuCoins per month) on UPI transactions via the RuPay variant
8 complimentary domestic airport lounge visits per year (capped at 2 per quarter, subject to quarter spend condition)
4 complimentary international airport lounge visits per year via Priority Pass membership (capped at 1 per quarter)
Reduced foreign exchange markup fee of 2% on cross-currency expenditures
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 (capped at ₹500/month)
1,499 NeuCoins welcome gift balance upon card activation within 30 days
🚀 Milestone Spends Timeline
Annual renewal fee completely waived for the subsequent year upon reaching ₹3,000,000 cumulative retail spends
Fees & Charging Rates
Annual Fee Waivers
₹1,499 + Taxes
💡 Annual fee waived on ₹3 Lakh annual retail spends
Regular Interest Charges
3.75% per month (45% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Eligibility Criteria
salaried minimum income
₹1 Lakh per month
self employed ITR
₹12 Lakh per annum
age
21 to 65 years
employment profiles
Salaried and Self-Employed
Compare Tata Neu Infinity HDFC Bank Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Tata Neu Infinity HDFC Bank Credit Card This Card | ₹1,499 + Taxes | 5% NeuCoins on non-EMI spends at Tata Neu and partner Tata brands... | 2 Domestic + 1 Int'l/Qtr (₹50K Spend) | 3.5/5 |
| Cashback SBI Credit Card | ₹999 + Taxes | 5% cashback on online spends; 1% cashback on offline spends | No Lounge Access | 4.7/5 |
| KIWI UPI RuPay Credit Card | Free | Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... | Domestic (Neon Spend Milestones) | 4.7/5 |
| Axis Bank ACE Credit Card | ₹499 + Taxes | 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... | 4 Domestic/yr | 4.6/5 |