Tata Neu Infinity HDFC Bank Credit Card by HDFC Bank — Credit Card Image
HDFC Bank Review Verified: 2026-08-24

Tata Neu Infinity HDFC Bank Credit Card

3.5 / 5.0 Rating
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#co-branded #best-for-shopping

Fees

₹1,499 + Taxes

Joining & annual

Reward 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

2 Domestic + 1 Int'l/Qtr (₹50K Spend)

Overview Perks & Milestones Fees & Interest Eligibility FAQs Compare

Our 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.

Reward limits

Checked 27 Sep 2026 · Bank terms

  • 5% NeuCoins at Tata Neu and partner Tata brands, 1.5% on other spends

    No limit

  • NeuCoins on grocery

    Max 2,000 NeuCoins per month

  • NeuCoins on utility bills

    Max 2,000 NeuCoins per month

  • NeuCoins on telecom and cable

    Max 2,000 NeuCoins per month

  • NeuCoins on insurance

    Max 2,000 NeuCoins per month

  • NeuCoins on UPI spends

    Max 500 NeuCoins per month

No rewards on: Fuel, wallet, rent, government, online gaming, third-party education payments

Where this card earns most

Paying directly in the app or site · 1.5% on other spends

Tata Neu 10% BigBasket 5% Croma 5% Tata 1mg 5% Tata CLiQ 5%
Find the best card for any app or store →

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

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

Spend milestone

Annual renewal fee completely waived for the subsequent year upon reaching ₹3,000,000 cumulative retail spends

Fees & Charges

Joining fee

₹1,499 + Taxes

Annual fee

₹1,499 + Taxes

Annual fee waived on ₹3 Lakh annual retail spends

Interest rate

3.75% per month (45% per annum)

Late payment fee

₹501 to ₹1,000
₹500
₹1,001 to ₹5,000
₹600
₹5,001 to ₹10,000
₹750
₹10,001 to ₹25,000
₹900
₹25,001 to ₹50,000
₹1,100
Above ₹50,000
₹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

Credit score & income

Good to Excellent (750+), Salaried ₹1 Lakh/month or Self-employed ITR ₹12 Lakh/annum

Frequently Asked Questions

How much can I earn with Tata Neu Infinity HDFC on Tata brand purchases?
5% NeuCoins on non-EMI spends at Tata Neu and partner Tata brands, plus an additional 5% via NeuPass — up to 10% total on eligible Tata ecosystem spends.
What's the lounge access on Tata Neu Infinity HDFC?
2 domestic and 1 international lounge visit per calendar quarter, conditional on ₹50,000 spend in the preceding quarter.
Is there a cap on UPI rewards for this card?
Yes, UPI spends via RuPay earn 1.5% NeuCoins, capped at ₹500 per month.

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, capped ₹2,000/statement cycle; 1%... 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

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