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Last updated: 01-06-2026
HDFC Bank Tata Neu Infinity Credit Card
HDFC Bank

HDFC Bank Tata Neu Infinity Credit Card

"Best card for Tata ecosystem โ€” 5% NeuCoins on Tata Neu app across BigBasket, Croma, 1mg, Air Asia, Taj Hotels and 30+ Tata brands"

No ratings yet โ€” be the first to rate below!

Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น1,499 + GST
๐Ÿ”„ Renewal Fee
โ‚น1,499 + GST
Waived: Annual fee waived on spending โ‚น3 lakh or more in the card anniversary year
๐ŸŽฏ Best Suited For
Tata brand loyalists who shop on Tata Neu app for BigBasket groceries, Croma electronics, 1mg medicines, Tata CLiQ fashion, Westside, Air Asia flights, IHCL/Taj Hotels, Tata Play, Starbucks and more
๐ŸŽ Reward Type
NeuCoins (1 NeuCoin = โ‚น1; redeemable across all 30+ Tata Neu partner brands)
๐ŸŽ‰ Welcome Benefit
499 NeuCoins on card activation (worth โ‚น499)
๐Ÿ’ฐ Reward Rate
5% NeuCoins on all spends via Tata Neu app; 1.5% NeuCoins on all other eligible retail spends including UPI via RuPay variant; excludes fuel, wallet, EMI, rent, government, insurance
โœˆ๏ธ Lounge Access
4 complimentary domestic lounge visits per quarter on spending โ‚น1.5 lakh in previous quarter; 2 international lounge visits per quarter via Priority Pass on โ‚น1.5 lakh previous quarter spend
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โœ… Pros
  • 5% return on all Tata Neu app spends across 30+ brands
  • 1.5% on all other retail โ€” good base rate
  • Low forex markup 1.99%
  • Lounge access on โ‚น1.5L quarterly spend
  • 1 NeuCoin = โ‚น1 โ€” straightforward value
  • RuPay UPI variant earns NeuCoins
โŒ Cons
  • 5% only via Tata Neu app โ€” not on brand websites directly
  • NeuCoins expire in 1 year โ€” must redeem actively
  • Lounge requires โ‚น1.5L quarterly spend
  • Only valuable for Tata ecosystem loyalists

๐ŸŽ Rewards & Benefits

Reward Type
NeuCoins (1 NeuCoin = โ‚น1; redeemable across all 30+ Tata Neu partner brands)
Welcome Benefits
499 NeuCoins on card activation (worth โ‚น499)
Reward Rate
5% NeuCoins on all spends via Tata Neu app; 1.5% NeuCoins on all other eligible retail spends including UPI via RuPay variant; excludes fuel, wallet, EMI, rent, government, insurance
Reward Redemption
Redeem NeuCoins via Tata Neu app for purchases across all 30+ Tata brands โ€” 1 NeuCoin = โ‚น1; NeuCoins expire after 1 year from earning
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น400 to โ‚น5,000; maximum โ‚น250 per statement cycle
Lounge Access
4 complimentary domestic lounge visits per quarter on spending โ‚น1.5 lakh in previous quarter; 2 international lounge visits per quarter via Priority Pass on โ‚น1.5 lakh previous quarter spend
Spend Based Fee Waiver
Annual fee waived on โ‚น3 lakh spend in anniversary year
Milestone Benefits
Lounge access activated on โ‚น1.5 lakh quarterly spend; annual fee waiver on โ‚น3 lakh spend
Other Benefits
Tata NeuPass membership (earn tier points across 30+ Tata brands); fuel surcharge waiver; contactless payments; Smart EMI; RuPay variant for UPI earning; low forex markup for international travellers

โœจ Special Perks & Exclusive Offers

Memberships
Tata NeuPass
Insurance Cover
Zero liability on unauthorized transactions after immediate reporting
Add-on Cards
Add-on cards for family members
Concierge Services
Details coming soon
Special Offers
5% NeuCoins across entire Tata ecosystem; lounge access on โ‚น1.5L quarterly spend; 1.99% forex markup

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น1,499 + GST
Annual Fee / Renewal Fee
โ‚น1,499 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น3 lakh or more in the card anniversary year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.6% per month (43.2% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น550
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
NeuCoins expire in 1 year โ€” must redeem actively; 5% only via Tata Neu app (not on brand websites directly); lounge requires โ‚น1.5L quarterly spend

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21+ years; net monthly income โ‚น35,000+; Indian resident; good credit history
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and HDFC Bank credit assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Smart EMI on transactions above โ‚น2,500
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per HDFC Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via HDFC MyCards app
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on immediate reporting
Virtual Card Numbers
Virtual card via HDFC Bank app
Zero Liability Protection
Zero liability on fraudulent transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 267 6161 (24x7)
Chat / Email Support
Chat via HDFC iMobile app
Mobile App
HDFC Bank iMobile / MyCards app + Tata Neu app for NeuCoin redemption
Online Banking
Full management via HDFC NetBanking

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:30 PM
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