HDFC Tata Neu Infinity Credit Card: Fees, Rewards & Benefits
Shopping card with lounge access
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A versatile Tata co-branded card paying an uncapped 5% across the Tata ecosystem and 1.5% elsewhere in ₹1-value NeuCoins, bundled with 8+4 lounge visits and a low 2% forex markup for ₹1,499. Best for households embedded in Tata brands; less compelling for others given the ₹12 Lakh income bar.
Shopping card with lounge access
The Bottom Line
The Tata Neu Infinity HDFC Bank Credit Card is built for tata ecosystem spender and value traveller. With a ₹1,499 annual fee that is waived on ₹3,00,000 yearly spend, it offers 5% rewards on tata neu / partner tata brands (shopping) and 1,499 bonus points. It makes the most sense if your spending matches tata ecosystem spender and value traveller.
It earns a base reward rate of 1.5% and stacks best when your spending lines up with Tata ecosystem spender, Value traveller. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealHouseholds buying via Tata Neu, Croma, BigBasket, Tata 1mg and Air India earn an uncapped 5% in ₹1-value NeuCoins.
Those wanting 8+4 lounge visits, a low 2% forex markup and solid insurance for a moderate ₹1,499 fee.
Probably not for
SkipWithout Tata-brand spending the card falls to a 1.5% base, undercutting its headline appeal.
The ₹12 Lakh income requirement rules out many mid-tier applicants despite the modest fee.
Is It Worth It For You?
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Reward Rates
Tata Neu Infinity HDFC Bank Credit Card offers 1.5% basic reward rate.
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Welcome Offer
1,499 NeuCoins (as a reversal of the 1st-year membership fee) credited by Tata Digital inside the Tata Neu App, triggered by the 1st transaction made within 30 days of card issuance; must be claimed inside the Tata Neu App within 60 days of that transaction (eligible customers get an extended 180-day claim window from the statement date). NeuCoins from this bonus are valid for 365 days from the claim date. Not available on Lifetime Free or First-Year-Free card issuances.
Milestone Benefits
Membership/renewal fee (Rs 1,499 + GST) for the following year is waived if the cardholder spends Rs 3,00,000 or more in the preceding cardmembership/anniversary year.
Fees & Charges
Eligibility
- Min Income: ₹12 Lakhs
- Min ₹1 lakh/month salaried or ₹12 lakh ITR self-employed; annual fee ₹1,499 waived on ₹3 lakh spend; available in Visa and RuPay.
Exclusions & Terms
Forex markup
- Foreign currency markup
Wallet Load / Gift or Prepaid Card Load / Voucher Purchase
- No NeuCoins earned on wallet loads, gift/prepaid card loads, or voucher purchases.
Cash Advance / Outstanding Balance Payment
- No NeuCoins earned on cash advances or on payment of outstanding card balances.
Card Fees and Other Charges Payment
- No NeuCoins earned when paying card fees or other charges.
Smart EMI / Dial-an-EMI
- No NeuCoins earned on Smart EMI or Dial-an-EMI (DAE) conversions - distinct from regular Merchant/Easy/Aggregator/Brand EMI, which does earn 1.5% on the principal.
Tanishq Golden Harvest Scheme
- Instalment payments toward the Tanishq Golden Harvest jewellery savings plan earn zero NeuCoins, even though general Tanishq retail purchases earn the 5% partner-brand rate.
Online Skill-Based Gaming (MCC 5816)
- W.e.f. 1-Jul-2025, online skill-based gaming transactions (MCC-5816) do not earn NeuCoins.
Frequently Asked Questions
3 data-backed answers from our card database
Ready to apply?
₹1,499 annual fee. Apply on the HDFC Bank website.
Apply on HDFC Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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