Tata Neu Infinity HDFC Bank Credit Card
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HDFC Bank

Tata Neu Infinity HDFC Bank Credit Card

Visa
Co-branded

Your rating

Community rating

Best for Tata ecosystem power users — 5% NeuCoins + lounge access

Joining Fee

₹1,499

Annual Fee

₹1,499

Reward Rate

0.5% – 10%

Forex Markup

3.5%

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

Key Benefits

5% back as NeuCoins on Tata Neu and partner Tata brands (non-EMI)
1.5% back as NeuCoins on other eligible non-UPI spends and merchant EMIs
Up to 1.5% back on UPI (0.5% base + 1% via Tata Neu UPI ID; 500 NeuCoins/month cap)
2 complimentary domestic lounge visits per quarter on ₹50,000 quarterly spend (up to 8/yr)
4 complimentary international lounge visits per year
1% fuel surcharge waiver (₹400–₹5,000 txn; ₹500 cap per statement cycle)
1,499 NeuCoins welcome benefit on first transaction
Insurance: air accident cover ₹1 Cr, overseas hospitalization up to ₹15 lakh, lost card liability up to ₹9 lakh

Rewards

How you earn back on every swipe

points

Reward type

0.5% – 10%

Earn rate

1.5

Points / ₹100

₹1

Per point

12 months

Point expiry

₹2,500

Monthly cap

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹1,499
Annual fee₹1,499
Fee waiver on annual spend₹3,00,000
Interest-free period50 days
Interest rate (APR)45%
Late payment fee (max)₹1,300
Cash advance fee2.5%
Forex markup3.5%
Fuel surcharge waiverYes (₹400–₹5000)

Travel & Lounge Access

Airport perks included with this card

2 per quarter

Domestic lounge visits

4 per year

International lounge visits

Priority Pass

Included with this card

Things to Keep in Mind

  • Fuel transactions
  • Wallet/gift card/prepaid loads
  • Cash advances and card fees/charges
  • Rental payments
  • Government transactions
  • Online skill-based gaming (from 1 Jul 2025)
  • Education via third-party apps (from 1 Sep 2024)
  • No additional 5% NeuPass on Tata Pay bill payments, Tanishq, Cult.fit, Air India, Tata Play

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
Min. income₹1,00,000/month

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Annual fee ₹1,499 waived on ₹300,000 annual spend.
  • About 0.5%–10% reward points on eligible spends (caps apply).
  • Up to 2 domestic lounge visits per quarter (when included).
  • Up to 4 international lounge visits per year (when included).
  • Priority Pass where bundled with the card.
  • Best for: Tata ecosystem power users — 5% NeuCoins + lounge access
  • Frequent Tata Neu users who also travel domestically or internationally a few times per year.
  • The Tata Neu Infinity HDFC Bank Credit Card is the premium tier of the Tata Neu co-branded range.
Cons
  • Fuel transactions
  • Wallet/gift card/prepaid loads
  • Cash advances and card fees/charges
  • Rental payments
  • Government transactions
  • Online skill-based gaming (from 1 Jul 2025)
  • Education via third-party apps (from 1 Sep 2024)
  • No additional 5% NeuPass on Tata Pay bill payments, Tanishq, Cult.fit, Air India, Tata Play

Who is this card for?

Frequent Tata Neu users who also travel domestically or internationally a few times per year. The combination of Tata rewards and lounge access makes it a strong all-rounder in the co-branded segment.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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