Explore Benefits of HDFC BankTata Neu InfinityCredit Card

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Explore Tata Neu Infinity Credit Card

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Basic Information

Welcome Benefits Tata Neu / NeuPass related benefits as applicable

Card Details Card Name: Tata Neu Infinity HDFC Bank Credit Card; Bank Name: HDFC Bank; Card Type: Co-Branded Rewards Credit Card; Network: RuPay / Visa variant as applicable

Card Category Premium

Payment Network RuPay / Visa

Eligibility Minimum Income Required: ₹3 Lakh annual income; Age Criteria: As per HDFC Bank eligibility criteria

Rewards Program

Reward Points Reward Type: NeuCoins; Tata Partner Brands: 5% back as NeuCoins on eligible non-EMI retail spends; Non-Tata Brands: 1.5% back; Merchant EMI: 1.5% back; RuPay UPI: 1.5% back, capped at 500 NeuCoins/month

Cashback Cashback Rate: Rewards are provided as NeuCoins rather than conventional cashback; Tata Partner Brands: 5%; Non-Tata Brands: 1.5%; UPI: up to 1.5% subject to applicable cap

Redemption Reward Redemption: NeuCoins can be used within the Tata Neu ecosystem; NeuCoin Value: 1 NeuCoin = ₹1

Milestone Rewards Annual Spend Benefit: ₹3 lakh annual spend → next year's renewal fee waiver

Travel Benefits

Airport Lounge Domestic Airport Lounge: 2 lounge vouchers per calendar quarter on spending ₹50,000 or more in that quarter; complimentary direct swipe access discontinued from 11-Jun-2025

Travel Offers Tata Neu travel-related offers/benefits as applicable

Shopping Benefits

Online Shopping Tata Neu Shopping: Enhanced NeuCoins on eligible Tata partner transactions; NeuPass can provide additional NeuCoins on selected Tata Neu categories

Brand Offers Merchant/Partner Benefits: Enhanced NeuCoins on eligible Tata partner brands

EMI Offers Merchant EMI: 1.5% NeuCoins on eligible merchant EMI spends

Fuel Benefits

Fuel Savings Fuel Surcharge Waiver: 1% on transactions of ₹400–₹5,000; maximum waiver ₹500 per statement cycle

Daily Spending Benefits

Utility Bills Eligible transactions may earn NeuCoins subject to applicable exclusions

Grocery Eligible Tata partner grocery transactions can earn enhanced NeuCoins

Insurance & Protection

Card Security HDFC Bank card security/fraud protection features as applicable

Digital Features

Payments Contactless Payment: Available; UPI on Credit Card: Available on RuPay variant

Mobile Wallet UPI-enabled RuPay card can be linked to supported UPI apps

Banking Features Card management through HDFC Bank digital banking channels

Add-on Features

Family Benefits Add-on card facility available as per HDFC Bank terms

EMI Features EMI conversion facility as applicable

Bill Payments Auto-debit / bill payment facilities as applicable

Fees & Charges

Joining Charges Joining Fee: ₹1,499 + applicable taxes

Annual Charges Annual/Renewal Fee: ₹1,499 + applicable taxes; Annual Fee Waiver: Next year's fee waived on ₹3 lakh spends in previous anniversary year

Finance Charges Interest Rate: 3.49% per month

Cash Advance Charges Cash Withdrawal Fee: As per HDFC Bank applicable charges

EMI Charges EMI Facility: Available; EMI Interest: As applicable

Forex Charges Forex Markup Fee: 2%

Other Charges Other applicable card fees as per HDFC Bank MITC

Customer Support

Service 24×7 customer support

Performance & Ratings

Best Usage Best For: Tata Neu shopping, Tata brands, UPI, rewards, everyday spending and domestic lounge benefits

Advantages Pros: 5% NeuCoins on eligible Tata partner spends; 1.5% on eligible non-Tata spends; UPI rewards on RuPay; domestic lounge vouchers; 2% forex markup; ₹3 lakh spend-based annual fee waiver

Limitations Cons: Lounge benefit requires ₹50,000 quarterly spend; NeuCoins have transaction/category exclusions; annual fee ₹1,499 + taxes; 2% forex markup

Instant Check Eligibility | Tata Neu Infinity Credit Card

Instant Check Eligibility

Frequently Asked Questions About Tata Neu Infinity Credit Card

What are the benefits of the HDFC Bank Tata Neu Infinity Credit Card?

The HDFC Bank Tata Neu Infinity Credit Card offers attractive rewards and lifestyle benefits for everyday spending. Cardholders can earn 5% back as NeuCoins on eligible non-EMI purchases at Tata Neu and partner Tata brands, along with 1.5% back on eligible non-Tata brand purchases. It also provides UPI rewards on eligible RuPay transactions, airport lounge access, fuel surcharge waiver and exclusive shopping benefits through the Tata Neu platform.

How can I apply for the Tata Neu Infinity HDFC Bank Credit Card online?

You can apply for the Tata Neu Infinity HDFC Bank Credit Card online through the official HDFC Bank website or an authorised application channel. Visit the credit card application page, select Tata Neu Infinity Credit Card, enter your personal and income details, and complete the verification process. HDFC Bank may request supporting documents or video KYC before approving your application. Final approval depends on the bank's eligibility assessment.

What is the minimum salary required for the Tata Neu Infinity HDFC Credit Card?

For salaried applicants, HDFC Bank specifies a gross monthly income of more than ₹1 lakh for the Tata Neu Infinity Credit Card. Self-employed applicants must have an annual Income Tax Return (ITR) of more than ₹12 lakh. Applicants must also meet the applicable age, nationality, documentation and credit assessment requirements. Meeting the minimum income criteria does not guarantee credit card approval.

How much cashback or NeuCoins can I earn with Tata Neu Infinity Credit Card?

The Tata Neu Infinity HDFC Bank Credit Card offers rewards in the form of NeuCoins instead of conventional cashback. Cardholders can earn 5% back as NeuCoins on eligible non-EMI purchases at Tata partner brands and 1.5% on eligible non-Tata brand purchases. Selected Tata Neu categories may offer an additional 5% NeuCoins through NeuPass membership. These rewards are subject to applicable merchant categories, exclusions and terms and conditions.

What is the joining fee and annual renewal fee of Tata Neu Infinity HDFC Bank Credit Card?

The joining fee and annual renewal fee for the Tata Neu Infinity HDFC Bank Credit Card are ₹1,499 plus applicable taxes each. However, cardholders can get the renewal fee waived by spending ₹3 lakh or more during the year before their card renewal date. Applicants should check the latest fee structure and applicable promotional offers before applying.

Does Tata Neu Infinity HDFC Credit Card offer complimentary airport lounge access?

Yes, the Tata Neu Infinity HDFC Bank Credit Card offers domestic and international airport lounge benefits. Cardholders can qualify for two complimentary domestic lounge vouchers per calendar quarter by spending ₹50,000 or more during that quarter, up to eight vouchers annually. The card also offers up to four complimentary international lounge visits per calendar year, subject to the applicable Visa or RuPay card network conditions.

Can I earn NeuCoins on UPI payments using Tata Neu Infinity RuPay Credit Card?

Yes, eligible UPI transactions made using the Tata Neu Infinity RuPay Credit Card can earn up to 1.5% back as NeuCoins. Cardholders receive 0.5% NeuCoins on eligible UPI transactions through supported UPI applications and an additional 1% when using the Tata Neu UPI ID. The total NeuCoins earned on eligible UPI transactions are capped at 500 per calendar month. Applicable exclusions and conditions apply.

Is Tata Neu Infinity HDFC Bank Credit Card available as a Lifetime Free credit card?

The standard Tata Neu Infinity HDFC Bank Credit Card has a joining fee and annual renewal fee of ₹1,499 plus applicable taxes. However, eligible customers may receive First Year Free or Lifetime Free offers through specific campaigns or application channels. Such offers are subject to the bank's terms and eligibility conditions. Always confirm the applicable fee offer before submitting your application.

What is the difference between Tata Neu Infinity and Tata Neu Plus HDFC Bank Credit Card?

Tata Neu Infinity is the premium variant of the Tata Neu HDFC Bank Credit Card range, while Tata Neu Plus is the comparatively lower-fee variant. Infinity offers higher reward rates, including 5% NeuCoins on eligible Tata partner brand purchases and 1.5% on eligible non-Tata purchases. It also provides up to eight domestic lounge vouchers annually against qualifying quarterly spends, compared with four for the Plus variant. The right option depends on your spending habits and preferred benefits.

Which transactions are not eligible for NeuCoins on Tata Neu Infinity Credit Card?

NeuCoins are not awarded on certain excluded transactions made using the Tata Neu Infinity HDFC Bank Credit Card. These generally include fuel purchases, wallet loads, gift card and prepaid card loads, cash advances, rental payments, government transactions, credit card fee payments and specified gaming transactions. Certain education payments through third-party platforms are also excluded. Additional merchant-specific exclusions and reward caps may apply as per HDFC Bank's latest terms and conditions.

Who should apply for the HDFC Bank Tata Neu Infinity Credit Card?

The HDFC Bank Tata Neu Infinity Credit Card can be a suitable option for individuals who frequently shop with Tata brands such as BigBasket, Croma, Tata CLiQ, Westside, Titan and other eligible Tata Neu partners. It may also appeal to customers who regularly use UPI payments, travel frequently and want to earn NeuCoins on eligible purchases. Before applying, compare the annual fee, reward structure, spending requirements and eligibility criteria to determine whether the card matches your financial needs.