Annual Fee
₹1,499
Rewards/₹100 ⓘ
₹1.50 - ₹5.00
Interest Rate
45.00%
Credit Score
750+
Key Benefits
5% NeuCoins on Tata brands, Rs 1Cr insurance, lounges
Lounge Access
8 domestic + 4 international lounges per year
Eligibility
Min Rs 1L/month income, age 21-65, CIBIL 750+
The Tata Neu Infinity HDFC Bank Credit Card is an excellent choice for anyone deeply invested in the Tata ecosystem. With 5% NeuCoins on partner brands, competitive lounge access, and solid insurance coverage, it offers strong value at Rs 1,499 annual fee (waivable). However, its utility drops significantly for those who do not regularly shop on Tata platforms, as the base 1.5% rate is middling for general spends.
Best For
Frequent shoppers across Tata brands (BigBasket, Croma, Westside, Air India, Tanishq, Titan) who can maximize the 5% NeuCoins earn rate on the Tata ecosystem.
Not Ideal For
Those who rarely shop on Tata brands, as the base 1.5% earn rate on non-Tata spends is average. Not ideal for fuel or rent spenders due to exclusions.
visits per year
2 vouchers per quarter (max 8/year). Requires Rs 50,000 spend/quarter from Jun 2025. Claim voucher within 120 days of qualification. Voucher valid 180 days from issuance.
visits per year
1 per quarter via Priority Pass (outside India only). PP issued on request from Jun 2025 - call 1800 1600/2600. Extra visits US$27+GST. Guest visits US$27+GST. PP in India attracts charges.
All Spends
Partner
Online
Shopping
UPI Transactions
Grocery
Insurance
Utility Bills
Telecom & Cable
Redeem your NeuCoins for cashback, travel, and more
Tata Neu App (BigBasket, Croma, Westside, Air India Express, IHCL)
Tata CLiQ / Tata CLiQ Luxury
Titan / Tanishq (via Tata Neu)
Tata 1mg
Croma / Westside / IHCL (in-store via POS)
1,499 NeuCoins (equivalent to joining fee) on first transaction within 30 days of card issuance. Claimable inside Tata Neu App within 60 days.
value
Annual fee waiver of Rs 1,499 on spending Rs 3,00,000 or more before credit card renewal date.
Spend ₹3,00,000 within 365 days
value
2 complimentary domestic lounge vouchers per quarter on spending Rs 50,000 or more in a calendar quarter (w.e.f. 10 June 2025).
Spend ₹50,000 within 90 days
value
Dining
5.00% off
5% NeuCoins on Tata brands including Croma, Westside, BigBasket, Titan, Tanishq, Air India, and more.
Custom
5.00% off
5% NeuCoins on Qmin food orders and IHCL hotel dining through Tata Neu ecosystem.
See how this card performs in different spending categories compared to other cards.
The Tata Neu Infinity HDFC Bank Credit Card is a premium co-branded credit card that brings together the vast Tata ecosystem with HDFC Bank's credit card expertise. With over 2 million cards issued, it has quickly become one of India's most popular co-branded credit cards.
This card stands out with its 5% NeuCoins earn rate on Tata partner brands (including Croma, BigBasket, Westside, Air India, Titan, and Tanishq), 1.5% on other spends, and comprehensive travel and insurance benefits. At a joining fee of Rs 1,499 (waivable on Rs 3 lakh annual spend), it offers exceptional value for Tata ecosystem loyalists.
The Tata Neu Infinity HDFC Bank Credit Card is the premium variant of the Tata Neu HDFC Bank co-branded credit card range. It is issued by HDFC Bank in partnership with Tata Digital and is available in both Visa and RuPay variants.
Earn 5% NeuCoins on non-EMI spends at Tata Neu partner brands including Croma, BigBasket, Westside, Air India, Air India Express, Titan, Tanishq, IHCL (Taj Hotels), Tata CLiQ, Tata 1mg, Qmin, Tata Play, and Cult. Earn 1.5% NeuCoins on all other eligible non-Tata brand spends and merchant EMI spends.
Register for NeuPass membership on the Tata Neu App to earn an additional 5% NeuCoins on selected categories. This benefit is applicable for transactions via the primary cardholder's registered mobile number account on Tata Neu.
Earn up to 1.5% NeuCoins on eligible UPI spends - 0.5% via any UPI ID and an additional 1% via Tata Neu UPI ID. UPI NeuCoins are capped at 500 per calendar month.
8 complimentary domestic lounge visits per year (2 per quarter, requires Rs 50,000 quarterly spend from June 2025). 4 complimentary international lounge visits per year via Priority Pass (1 per quarter).
Accidental air death cover worth Rs 1 Crore, emergency overseas hospitalization up to Rs 15 Lakhs, and lost card liability cover up to Rs 9 Lakhs. Insurance provided by HDFC Ergo.
1% fuel surcharge waiver on fuel transactions between Rs 400 and Rs 5,000. Maximum waiver of Rs 500 per statement cycle.
From 10 June 2025, domestic lounge access is milestone-based. Spend Rs 50,000 or more in a calendar quarter to receive 2 complimentary domestic lounge vouchers (up to 8 per calendar year). Upon qualifying, you receive SMS and email notifications. Claim vouchers within 120 days of qualification; use within 180 days of issuance.
4 complimentary international lounge visits per year (1 per quarter) via Priority Pass, outside India. Priority Pass issued on request by calling HDFC Bank toll-free numbers. Additional visits charged at US$27 + GST. Guest visits charged at US$27 + GST per visit. Priority Pass usage within India attracts charges.
4 complimentary international lounge visits per year (1 per quarter). A transaction fee of $3.25 is charged and subsequently reversed.
The Tata Neu Infinity card earns NeuCoins across multiple spending categories:
1 NeuCoin = Rs 1. Redeem online via Tata Pay on BigBasket, Croma, Air India Express, IHCL, or via NeuCoins/Loyalty Redemption on Tata CLiQ, Tata 1mg, Titan/Tanishq. In-store redemption available at Croma, IHCL, and Westside.
From 1 August 2025, NeuCoins are valid for 12 months from the end of the month in which credited. Transferred to Tata Neu App within 7 working days of statement generation.
| Fee Type | Amount |
|---|---|
| Joining / Annual Membership Fee | Rs 1,499 + applicable taxes |
| Annual Fee Waiver | On spending Rs 3,00,000 in a year |
| Interest Rate | 3.75% per month (45% p.a.) |
| Late Payment Charges | Rs 900 |
| Cash Advance Fee | 2.5% or Rs 500, whichever is higher |
| Over Limit Charges | 2.5% of overlimit amount, min Rs 550 |
| Foreign Currency Markup | 2% of transaction amount |
| Card Replacement Fee | Rs 100 |
| Fuel Surcharge Waiver | 1% (Rs 400-5,000 transactions, max Rs 500/cycle) |
| Interest-Free Period | Up to 50 days |
In certain cases, uploading documents and completing video KYC may be required.
Visit your nearest HDFC Bank branch with required documents. Bank staff will assist with the application process.
You can also apply directly through the Tata Neu mobile application.
The Tata Neu Infinity HDFC Bank Credit Card is a standout co-branded credit card for anyone who regularly shops across the Tata ecosystem. With an industry-leading 5% reward rate on 14+ Tata brands, 1:1 NeuCoin redemption value, and solid travel and insurance benefits, it delivers excellent value for its Rs 1,499 annual fee.
The card is best suited for frequent shoppers at BigBasket, Croma, Westside, Air India, Tanishq, and other Tata brands. Those who spend Rs 3 lakh annually can enjoy these benefits completely free. While the base 1.5% rate on non-Tata spends is average, the targeted ecosystem rewards more than compensate for those invested in Tata brands.
Last updated: 31 January 2026
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