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    Tata Neu Infinity HDFC Credit Card

    cat name Shopping
    cat name Co-branded
    3.5/5.0

    Travel3.0/5

    Rewards3.0/5

    Co-branded Benefits4.0/5

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

    Co-branded

    Co-branded

    Save up to 10% on Tata Neu Spends

    Shopping

    Shopping

    Up to 5% value-back on other spends

    Travel

    Travel

    Complimentary lounge access worldwide

    Updated on April 15, 2025 6:48 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 the premium variant among the two co-branded cards launched by HDFC Bank in partnership with Tata Neu. Cardholders can earn up to 10% value back in the form of NeuCoins on select Tata Neu purchases, which can be redeemed across Tata Neu and its extensive network of partner brands, including Air India, BigBasket, Westside, and more—making it a versatile choice for a wide range of expenses.

    The card provides 5% value back on all non-EMI Tata Neu transactions and additional 5% NeuCoins on select Tata Neu purchases, along with 1.5% value-back on all other spends. A standout feature is its availability in the RuPay variant, which enables users to add their card to UPI apps and enhance the reward earning potential through UPI transactions. Overall, Tata Neu Infinity Credit Card is well-suited for consumers who frequently shop within the Tata Neu ecosystem and are looking to maximise their rewards across multiple Tata brands.

    Rewards Program

    Reward Earning

    • 5% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands such as Air India, Westside, and more1
    • Additional 5% back as NeuCoins on transactions made on Tata Neu App/Website, post downloading Tata Neu App and registering for Tata NeuPass
    • 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

    Reward Redemption

    Accumulated NeuCoins can be redeemed at select partner brand stores as well as on Tata Neu mobile app/website via Tata Pay or as loyalty points for select categories or brands. (1 NeuCoin = Rs. 1)

    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)

    Related Read:  Best 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.

    Savings Calculator

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    ₹1,499 Plus Applicable Taxes

    NA

    ₹1,499 Plus Applicable Taxes

    Waived off on spending Rs. 3 lakh in a year

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    Fees & Charges

    Fee Type Amount
    Joining Fee Rs. 1,499 + Taxes
    Annual Fee Rs. 1,499 + Taxes
    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 frequently spend on Westside, BigBasket, Croma, Air India and other brands in Tata Neu ecosystem

    You are looking for a Rupay Credit Card to avail benefits on UPI transactions

    You do not seek extensive travel benefits from the card

    You are a moderate spender and can spend Rs. 3 Lakh or more in a year to avail 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 Credit Card offers accelerated rewards across a wide range of brands within the Tata Neu ecosystem. These include Air India Express and IHCL for travel, TataCliq, Titan, and Westside for lifestyle, Tanishq for jewellery, BigBasket for groceries, and Tata 1MG for medicines—effectively covering several practical categories. While the benefits are limited to partner brands, the diversity within the ecosystem makes the card highly versatile and a great fit for users who frequently shop with these brands. However, consumers who do not have brand preferences should consider cards that reward all online spends without brand restrictions.

    Pros

    • Up to 10% value back on select Tata Neu spends
    • Welcome benefits compensate for the joining fee
    • Up to 1.5% value-back on UPI spends
    • 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

    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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