RuPay, Visa 📡 Contactless NFC

Tata Neu Infinity HDFC Bank Credit Card

Joining Fee₹1,499

Annual Fee₹1,499

Forex Markup 2%

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⚖️ Card Verdict & Target Persona

Who Should Apply

Power users of the Tata ecosystem (BigBasket, Croma, 1mg, Air India, Westside) wanting 7% valueback in NeuCoins, RuPay UPI convenience, and 8 domestic + 4 international lounge visits.

Who Should Avoid

Users who do not shop within the Tata ecosystem or those seeking direct statement cash adjustments.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

1,499 bonus NeuCoins (worth ₹1,499) upon payment of joining fee and completing first transaction within 30 days

7% NeuCoins on Tata Brands

Earn 7% back as NeuCoins on Tata Neu and partner Tata brands (BigBasket, 1mg, Croma, Air India, Westside, Tata CLiQ, IHCL Hotels).

1.5% NeuCoins on UPI & Online Spends

1.5% back as NeuCoins on merchant UPI QR transactions via Tata Neu app (and 1.5% on non-Tata online retail spends).

8 Domestic & 4 International Lounge Visits

8 domestic (max 2/qtr on min ₹50k quarterly spend) + 4 international airport lounge visits per year via Priority Pass.

💰 Reward Structure & Point Valuation

1 NeuCoins = ₹1

Standard Base Earning

1.5% back as NeuCoins on all other non-Tata retail transactions (1 NeuCoin = ₹1.00)

Accelerated / Partner Rate

5% back as NeuCoins on Tata Neu app and partner Tata brands (BigBasket, 1mg, Croma, Air India, Westside, Tata CLiQ, Titan, IHCL Hotels) + extra 2% NeuCoins with NeuPass membership (total 7% return); 1.5% NeuCoins on eligible UPI spends

Points Validity:365 Days

Redemption Fee: ₹0 (Free)

Redemption Modes: 1:1 Redemption at Tata Neu Checkout (BigBasket, 1mg, Croma, Air India, Westside, Tata CLiQ, IHCL Hotels at 1 NeuCoin = ₹1.00)

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Jewellery Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)

🌐

International Lounge Visits4 complimentary international airport lounge visits per calendar year via Priority Pass

⚠️

Spend Criteria: Requires minimum retail spend of ₹50,000 in the previous calendar quarter for domestic lounge access

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹300,000/yr

Annual renewal fee of ₹1,499 + GST is waived off on spending ₹3,00,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

1.5% back as NeuCoins on merchant UPI transactions via Tata Neu app (capped at 500 NeuCoins/month)

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹500/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 60 Years

Min. Monthly Income₹80,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.60% per month (43.20% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the Tata Neu Infinity HDFC Bank Credit Card

Annual Fee: ₹1,499/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, Tata Neu Infinity HDFC Bank Credit Card has a joining fee of ₹1499 and an annual renewal fee of ₹1499 (plus applicable taxes).

Tata Neu Infinity HDFC Bank Credit Card ₹1,499/yr