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    Tata Neu Infinity HDFC Credit Card

    cat name Travel
    cat name Shopping
    cat name Co-branded
    3.5/5.0

    Travel3.0/5

    Rewards3.0/5

    Co-branded Benefits4.0/5

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    1st Year Fee: ₹1,499* Plus Applicable Taxes

    Co-branded

    Co-branded

    Save up to 10% on Tata Neu

    Shopping

    Shopping

    5% value back as NeuCoins

    Travel

    Travel

    Complimentary lounge access worldwide

    Updated on January 16, 2025 3:45 pm

    Author: Shruti Sharma

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    About The CardReward DetailsOther Features & BenefitsSavings CalculatorFees & ChargesThings to KnowCard ReviewFAQs

    About Tata Neu Infinity HDFC Credit Card

    Tata Neu Infinity HDFC Credit Card is an upgraded variant of Tata Neu Plus HDFC Credit Card. This is a co-branded credit card that offers up to 10% value back on Tata Neu spends. Cardholders earn rewards in the form of NeuCoins, which can be redeemed across Tata Neu and its partner brands, including Air India, BigBasket, and Westside, covering major everyday categories such as travel, grocery, and shopping.

    Quick Check: Best Credit Cards in India 2025

    This card offers 5% value back on all non-EMI spends at Tata Neu and an additional 5% NeuCoins on select Tata Neu purchases. Beyond this, users can earn 1.5% value back on other spends. A standout feature of this credit card is its availability in RuPay variant, allowing cardholders to earn reward points on UPI transactions as well.

    Quick Check: Lifetime free credit cards with no annual fee

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    Reward Benefits

    • 5% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands such as Air India, Westside, etc.1
    • 1.5% back as NeuCoins on Non-Tata brand spends and any merchant EMI spends2
    • 1.5% back as NeuCoins, up to 500 NeuCoins per month, on UPI spends via RuPay card variant
    • Additional 5% back as NeuCoins on transactions done on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass

    Points to Keep in Mind About Tata NeuCoins

    Validity: 365 days from the date of your last transaction involving an eligible earn or use of NeuCoins

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    Image of Tata Neu Infinity HDFC Credit Card
    Image of Tata Neu Infinity HDFC Credit Card

    Other Features & Benefits

    Welcome Benefits: 1,499 NeuCoins on Tata Neu App on making the first transaction within 30 days of card issuance.

    Complimentary Lounge Access:

    • 8 complimentary domestic lounge visits every year (Max. 2 per quarter)
    • 4 complimentary international lounge visits every year (Max. 1 per quarter)

    Quick Check:  Lounge Access Credit Cards

    Annual Fee Waiver: Annual fee waiver on spending Rs. 3 Lakh in a year.

    Fuel Surcharge Waiver: 1% fuel surcharge waiver, up to Rs. 500 in a month, at all fuel stations across India on fuel spends of Rs. 400 to Rs. 5,000.

    Quick Check: Fuel Credit Cards In India

    Savings Calculator

    ₹

    This is mandatory field

    If you spend upto ₹0/yr

    Spend Rewards₹0

    Milestone Benefits₹0

    You save₹0

    ₹1,499 Plus Applicable Taxes

    Waived off on spending Rs. 3 lakh in a year

    ₹1,499 Plus Applicable Taxes

    NA

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    Tata Neu Infinity HDFC Credit Card : Fees & Charges

    Fee Type Amount
    Joining Fee Rs. 1,499
    Annual Fee Rs. 1,499
    Finance Charges 3.75% p.m. | 45% p.a.
    Late Payment Charges
    For Statement Balance:
    Up to Rs. 100 Nil
    Rs. 101 to Rs. 500 Rs. 100
    Rs. 501 to Rs. 1,000 Rs. 500
    Rs. 1,001 to Rs. 5,000 Rs. 600
    Rs. 5,001 to Rs. 10,000 Rs. 750
    Rs. 10,001 to Rs. 25,000 Rs. 900
    Rs. 25,001 to Rs. 50,000 Rs. 1,100
    More than Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Consider this card if:

    You are not looking for a credit card with decent travel benefits

    You frequently make purchases at Tata Neu and its partner brands- Westside, BigBasket, Croma and more

    You can spend Rs. 3 Lakh in a year to avail annual fee waiver

    Eligibility Criteria:

    Age Requirements: 21 to 65 years

    Employment Type: Salaried or Self-employed

    Income Eligibility: Rs. 12 LPA for Self-employed/ Salaried

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    Overall Rating

    3.5/5

    Travel3.0/5

    Rewards3.0/5

    Co-branded Benefits4.0/5

    What do we like about this card?

    Tata Neu Infinity HDFC Credit Card offers 5% value back as NeuCoins on Tata Neu and partner brands like Air India, Westside, and BigBasket. On Air India bookings, you can earn NeuCoins alongside ‘Flying Returns’ points, making it a great option for loyal Air India flyers to maximize savings on travel spends. Additionally, cardholders can earn up to 10% value back as NeuCoins on select Tata Neu purchases.

    Pros

    • Up to 10% value back on Tata Neu spends
    • Welcome benefits worth the joining fee
    • Up to 1.5% value back on UPI spends
    • Decent redemption value of 1 NeuCoin = Rs. 1

    Cons

    • No reward points on fuel and government spends
    • No milestone benefits except annual fee waiver
    • Rewards can only be redeemed on Tata Neu and partner brands

    Conclusion

    Tata Neu Infinity HDFC Credit Card is a good choice for those who frequently shop on Tata Neu and its partner brands. It offers up to 10% savings on Tata Neu spends, 5% on partner spends, and 1.5% value back on UPI transactions. The card compensates for its joining fee with welcome benefits worth Rs. 1,499. However, it lacks milestone benefits apart from the annual fee waiver. Overall, this card is ideal for earning NeuCoins, where 1 NeuCoin = Rs. 1, redeemable across brands like AirAsia India, Croma, and Westside.

    Frequently Asked Questions

    Everything you need to know about this credit card

    Yes, Tata Neu Infinity HDFC Credit Card offers complimentary domestic as well as international lounge access. You can avail 8 complimentary domestic lounge visits and 4 complimentary international lounge visits every year.

    Tata Neu Infinity HDFC Credit Card offers value back in the form of NeuCoins, which can be redeemed for purchases on Tata Neu and its partner brands. You can redeem NeuCoins at a value of 1 NeuCoin = Rs. 1.

    No, Tata Neu Infinity HDFC Credit Card comes with a joining and annual fee of Rs. 1,499. However, you can avail annual fee waiver on spending Rs. 3 Lakh in a year. Besides this, the card offers a welcome benefit of 1,499 NeuCoins, equivalent to Rs. 1,499, effectively compensating for the joining fee.

    Tata Neu Infinity HDFC Credit Card is an upgraded variant of Tata Neu Plus HDFC Credit Card. The Infinity variant charges an annual fee of Rs. 1,499, whereas Plus variant charges Rs. 499 annually. Both cards offer accelerated rewards in the form of NeuCoins on your spends at Tata Neu and its partner brands. However, the Infinity variant offers up to 10% value back on Tata Neu purchases, while the Plus variant offers up to 7% value back, justifying the higher fee for enhanced benefits.

    You cannot earn NeuCoins on select spends, including fuel purchases, rent payments, government-related expenses, voucher purchases, wallet loads, cash advances, outstanding bill payments, other fees or charges, and EMI transactions.

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    Footnotes

    1. Tata Neu Partner Brands: Tata 1MG, BigBasket, Croma, Air India Express, Tata CliQ, IHCL (TAJ group of Hotels), Westside, Qmin, Tata Play, Cult, Tata Pay, Titan and Tanishq.
    2. Fuel, rental or government-related spends, voucher purchases, wallet loads, cash advances, outstanding bill or other fees and charges payments and EMI transactions are not eligible to earn NeuCoins.

    Click here to know More Terms and Conditions

    Shruti Sharma linkedIn icon

    Content Writer

    Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

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