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Tata Neu Infinity HDFC Bank

Tata Neu Infinity HDFC Bank

HDFC Bank
|
Lounge Access Rewards Shopping

Annual Fee

₹1,499

Rewards/₹100 ⓘ

₹1.50 - ₹7.50

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

750+

Quick Details

Annual Fee
₹1,499 #195
Joining Fee
₹1,499 #196
Interest Rate
42.00% p.a. #108
Forex Markup
2.00% #38
Rewards/₹100
₹1.50 - ₹7.50 #14
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
2/year #92
International Lounge Visits
4/year #29
Min Credit Score
750+ #186
Min Monthly Income ₹NaN
Network VISA
Late Payment Fee
Cash Advance Fee 2.50% (min ₹500)
Over Limit Fee 2.50% (min ₹500)
Fee Waiver on Spend ₹3,00,000/yr

Reward Structure

Base

All Spends

₹1.50 /₹100
Partner

Tata Neu Transactions

₹5.00 /₹100
Partner

Select Tata Neu Purchases

₹10.00 /₹100
Cat

UPI Spends (Tata Neu UPI)

₹1.50 /₹100

Reward Calculator

₹
Allocate by Category 100%
Tata Neu Transactions
5.0 pts
40% ₹0
Select Tata Neu Purchases
10.0 pts
25% ₹0
UPI Spends (Tata Neu UPI)
1.5 pts
20% ₹0
Other Spends
1.5 pts
15% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

1,499 NeuCoins on first transaction within 30 days of card issuance

₹1,499

value

Airport Lounge Access

Domestic Free
2

visits per quarter

2 lounge vouchers per quarter on Rs 50,000+ spend. Max 8 per year.

International Free
4

visits per year

4 complimentary visits per year (1 per quarter). Priority Pass on request.

Insurance Coverage

Lost Card

₹0

Zero liability.

Fraud

₹0

Zero liability.

Quick Analysis

Tata Neu Infinity HDFC Bank Credit Card is an excellent choice for Tata ecosystem users offering up to 10% value back on Tata purchases. With low forex markup and milestone-based lounge access, it suits frequent Tata shoppers and travelers alike.

Pros

  • Up to 10% NeuCoins on select Tata Neu purchases
  • 5% NeuCoins on all Tata Neu transactions
  • 1.5% NeuCoins on all other spends
  • 1 NeuCoin = Rs 1 (excellent redemption value)
  • Low forex markup of 2%
  • 8 domestic lounge visits per year (2/quarter on Rs 50K spend)
  • 4 international lounge visits per year
  • RuPay variant available for UPI credit card
  • 1% fuel surcharge waiver (capped Rs 250/cycle)
  • Welcome benefit of 1,499 NeuCoins offsets joining fee
  • NeuCoins redeemable across Tata brands (BigBasket, Air India, Westside, etc.)

Cons

  • Lounge access requires Rs 50K quarterly spend
  • NeuCoins expire in 12 months
  • No rewards on fuel, rent, govt, EMI transactions
  • Grocery NeuCoins capped at 2,000/month
  • Utility/Telecom NeuCoins capped at 2,000/month each
  • Priority Pass requires separate request
  • No premium concierge service

Best For

Tata ecosystem users, BigBasket shoppers, Air India flyers

Not Ideal For

Non-Tata brand users, fuel spenders, those seeking premium perks

Frequently Asked Questions

What are the fees for Tata Neu Infinity HDFC Bank Credit Card?
The Tata Neu Infinity HDFC Bank Credit Card has a joining fee of Rs 1,499 and annual fee of Rs 1,499. The annual fee can be waived on spending Rs 300,000 in the previous year.
What is the eligibility criteria for Tata Neu Infinity HDFC Bank Credit Card?
To be eligible for the Tata Neu Infinity HDFC Bank Credit Card, you need a minimum monthly income of above Rs 1 Lakh/month, age between 21-60 years, and a credit score of 750+. HDFC Bank customers with existing relationships may get preferential treatment.
What rewards does Tata Neu Infinity HDFC Bank Credit Card offer?
The Tata Neu Infinity HDFC Bank Credit Card earns reward points on all spending. Each reward point is valued at approximately Rs 1.00. Points can be redeemed for vouchers, merchandise, or travel bookings through the HDFC Bank rewards portal.
Does Tata Neu Infinity HDFC Bank Credit Card offer airport lounge access?
Yes, the Tata Neu Infinity HDFC Bank Credit Card provides complimentary airport lounge access. Please check the lounge access section above for detailed information on domestic and international lounge visits.
How can I apply for Tata Neu Infinity HDFC Bank Credit Card?
You can apply for the Tata Neu Infinity HDFC Bank Credit Card through HDFC Bank official website, mobile app, or by visiting your nearest HDFC Bank branch. Existing customers can also apply through net banking.

User Reviews

Our Rating

3.7
APPLY NOW

on HDFC Bank's website

Rating Breakdown

Rewards
4.4/5 Top 15%
Benefits
3.3/5
Fees
3.4/5 Top 67%
Value for Money
3.8/5 Top 21%
User Reviews
3.0/5 Top 50%

Important Links

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