Tata Neu Infinity HDFC Bank Credit Card
Best for tata ecosystem shoppers (BigBasket, Croma, Tata CLiQ, Air India via Neu) and RuPay-UPI users. 5% NeuCoins on Tata Neu/partner Tata brands (+ extra 5% on Neu app/site, up to 10%); 1.5% on non-Tata spends; RuPay UPI 1.5%. 1 NeuCoin = Rs 1
Terms as of 2026-05-04 · Checked 28 September 2026Tata Neu Infinity HDFC Bank Credit Card at a glance
Who it suits: Tata ecosystem shoppers (BigBasket, Croma, Tata CLiQ, Air India via Neu) and RuPay-UPI users
Rewards & cashback
| Details | |
|---|---|
| How you earn | 5% NeuCoins on Tata Neu/partner Tata brands (+ extra 5% on Neu app/site, up to 10%); 1.5% on non-Tata spends; RuPay UPI 1.5%. 1 NeuCoin = Rs 1 |
| Caps & exclusions | UPI (RuPay) NeuCoins capped at 500/month |
| Welcome benefit | 1,499 NeuCoins on first transaction within 30 days |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹1,800 | ₹31 |
| ₹3,00,000 / year | ₹4,500 | ₹4,500 |
| ₹6,00,000 / year | ₹9,000 | ₹9,000 |
| ₹12,00,000 / year | ₹18,000 | ₹18,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | 8 domestic visits/yr (max 2/quarter after Rs 50,000 spend) + 4 international visits/yr (max 1/quarter) |
| Fuel surcharge | 1% waiver, max Rs 500/month |
| Forex markup | 2.00% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | ₹1,499 + GST |
| Annual / renewal fee | ₹1,499 + GST |
| Fee waiver | Annual fee waived on Rs 3 lakh annual spend |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Salaried Rs 1 lakh/month; self-employed ITR Rs 12 lakh+; age 21-65 |
| Age | Typically 21-60 (salaried), up to 65 (self-employed); card-specific |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Standard Chartered Ultimate | Standard Chartered | ₹5,000 / ₹5,000 | 3.33% base value | High flat reward rate on all spends |
| HDFC Bank Diners Club Black Metal Edition | HDFC Bank | ₹10,000 / ₹10,000 | 3.33% base value | High spenders wanting uncapped-lounge premium card below Infinia |
| HDFC Bank Infinia Credit Card Metal Edition | HDFC Bank | ₹12,500 / ₹12,500 | 3.33% base value | Super-premium, high-spend travellers (invite-only) |
| ICICI Bank Emeralde Private Metal | ICICI Bank | ₹12,499 / ₹12,499 | 3.00% base value | Super-premium spenders wanting unlimited lounges and hotel memberships |
| HSBC Premier | HSBC India | ₹12,000 / ₹20,000 | 3.00% base value | HSBC Premier banking customers |
| YES Bank Marquee | YES Bank | ₹9,999 / ₹4,999 | 2.25% base value | High online spenders |
Frequently asked questions
What is the annual fee of the Tata Neu Infinity HDFC Bank Credit Card?
Joining fee ₹1,499 and annual fee ₹1,499 (plus 18% GST). Annual fee waived on Rs 3 lakh annual spend.
What rewards does it offer?
5% NeuCoins on Tata Neu/partner Tata brands (+ extra 5% on Neu app/site, up to 10%); 1.5% on non-Tata spends; RuPay UPI 1.5%. 1 NeuCoin = Rs 1 Caps/exclusions: UPI (RuPay) NeuCoins capped at 500/month
Does it give airport lounge access?
8 domestic visits/yr (max 2/quarter after Rs 50,000 spend) + 4 international visits/yr (max 1/quarter)
What is the forex markup?
2.00% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹2,360.
Who is eligible?
Salaried Rs 1 lakh/month; self-employed ITR Rs 12 lakh+; age 21-65. A CIBIL score of 750+ improves approval chances.
Is the Tata Neu Infinity HDFC Bank Credit Card good for me?
Best for: Tata ecosystem shoppers (BigBasket, Croma, Tata CLiQ, Air India via Neu) and RuPay-UPI users. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-05-04. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on HDFC Bank’s website before applying. FinancePortal is not affiliated with the issuer.