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