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HDFC Bank · Mid-tier · rewards card

Tata Neu Infinity HDFC Bank Credit Card

Source-traced to issuer Verified 2026-07-10
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You'll land on the issuer's official application portal at wbbsv.com — if a different card is shown first, use its card selector to pick this one.

Overview

HDFC's premium Tata co-brand card. You earn NeuCoins on every spend — up to 10% inside the Tata Neu app and 5% across Tata brands like Croma, BigBasket and Westside — redeemable 1 NeuCoin = ₹1 across the Tata ecosystem. The RuPay variant also earns on UPI.

Best for

  • Tata ecosystem shoppers — BigBasket, Croma, Westside, Tata 1mg, Air India.
  • Everyday spenders who want a strong all-round rewards rate.
  • RuPay-on-UPI users who want to earn on UPI payments.

Not ideal for

People outside the Tata world — NeuCoins are only useful across Tata brands, the everyday rate is 1.5%, and NeuCoins expire after 12 months.

Fees

Joining fee

₹1,499 (plus applicable taxes).

Verified · Most Important Terms & Conditions (MITC) / Key Fact Statement - HDFC Bank Credit Cards (English, covers this card) · 2026-07-10 · source

Annual / renewal fee

₹1,499 (plus applicable taxes).

Verified · Most Important Terms & Conditions (MITC) / Key Fact Statement - HDFC Bank Credit Cards (English, covers this card) · 2026-07-10 · source

Fee waiver

Annual membership fee / renewal charges waived on minimum spend of ₹3 Lakh per annum.

Verified · Most Important Terms & Conditions (MITC) / Key Fact Statement - HDFC Bank Credit Cards (English, covers this card) · 2026-07-10 · source

Renewal fee

  • ₹1,499 (plus applicable taxes).
  • Renewal fee waived on spending ₹3,00,000 or more in a year before the renewal date.

Verified · Tata Neu Infinity HDFC Bank Credit Card product page · 2026-07-10 · source

Rewards

  • 5% back as NeuCoins on Non-EMI retail spends on partner Tata Brands (1.5% base + 3.5% additional).
  • 1.5% back as NeuCoins on Non-Tata brand Non-EMI retail spends.
  • 1.5% back as NeuCoins on Merchant EMI spends (any brand).
  • UPI spends on RuPay Credit Card (w.e.f 01-Aug-24): 0.50% back as NeuCoins via any UPI ID + additional 1% back as NeuCoins if done using the Tata Neu UPI ID (total capped 500 NeuCoins/month).

Verified · Terms & Conditions / Rewards (NeuCoins) Program Terms - Tata Neu Infinity HDFC Bank Credit Card · 2026-07-10 · source

Plain math

₹30,000/month through Tata Neu and partner brands at ~5% earns about ₹1,500/month in NeuCoins — roughly ₹18,000 a year, far above the ₹1,499 fee. 1 NeuCoin = ₹1. NeuCoins expire after 12 months.

Award example

Example: Purchase of ₹21,100 on partner Tata Brand at 5% NeuCoins earns 317 base NeuCoins + 739 additional NeuCoins.

Verified · Terms & Conditions / Rewards (NeuCoins) Program Terms - Tata Neu Infinity HDFC Bank Credit Card · 2026-07-10 · source

Redemption value

  • Each NeuCoin may be utilized to avail a benefit equivalent to ₹1 on Tata Neu Rewards Program-Eligible Purchases.
  • Rewards Redemption Fee for Tata Neu HDFC Bank Credit Cards: not applicable (redeem via tataneu.com).
  • Cashback Redemption Charges: ₹50 per cashback redemption excluding Tata Neu Infinity (i.e. no charge).
  • NeuCoins validity: 12 months (including lock period) from the end of the month in which credited (w.e.f 01-Aug-25).

Verified · Terms & Conditions / Rewards (NeuCoins) Program Terms - Tata Neu Infinity HDFC Bank Credit Card · 2026-07-10 · source

Reward cap

  • UPI spends: max 500 NeuCoins per calendar month.
  • Grocery: 2,000 NeuCoins per month.
  • Insurance: 2,000 NeuCoins per month.
  • Utility: 2,000 NeuCoins per month.
  • Telecom & Cable: 2,000 NeuCoins per month.
  • Fair Usage Policy: max 50,000 reward points per statement cycle for Tata Neu Infinity.

Verified · Terms & Conditions / Rewards (NeuCoins) Program Terms - Tata Neu Infinity HDFC Bank Credit Card · 2026-07-10 · source

Reward exclusion

Fuel spends; Wallet loads/Gift or Prepaid Card load/Voucher purchase; Cash Advances; Payment of Outstanding Balances; Payment of card fees and other charges; Smart EMI/Dial an EMI; Rental and Government related transactions; (w.e.f 1st Sep 2024) Education payments made through third-party apps like CREDCheqMobiKwik (direct college/school payments still earn); (w.e.f 1st July 2025) Online Skill-Based Gaming transactions (MCC-5816)

Verified · Terms & Conditions / Rewards (NeuCoins) Program Terms - Tata Neu Infinity HDFC Bank Credit Card · 2026-07-10 · source

Travel & lounge

Lounge access

  • Domestic: 2 complimentary lounge visits per calendar quarter (up to 8 per year), unlocked by spends of ₹50,000 or more in the previous calendar quarter and issued as digital vouchers (effective 10 June 2025).
  • International: 4 complimentary visits per year (1 per quarter) via Priority Pass.
  • Visits beyond the limit are charged at US $27 + GST.

Verified · HDFC Bank - Tata Neu Infinity product page · 2026-06-19 · source

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

  • Welcome Benefit of 1,499 NeuCoins (as reversal of 1st Year Membership Fees), applicable on 1st transaction done within 30 days of card issuance, available to claim inside Tata Neu App within 60 days of such transaction.
  • Not applicable on Lifetime Free or First Year Free Cards.

Verified · Terms & Conditions / Rewards (NeuCoins) Program Terms - Tata Neu Infinity HDFC Bank Credit Card · 2026-07-10 · source

Concierge

Priority Pass Lounge Charges apply for Tata Neu Infinity: all lounge visits within India using Priority Pass charged at $27 (INR equivalent) + Taxes per person per visit.

Verified · Most Important Terms & Conditions (MITC) / Key Fact Statement - HDFC Bank Credit Cards (English, covers this card) · 2026-07-10 · source

Insurance

  • Select credit card variants have complimentary insurance cover on the card.
  • Policy coverage starts from the date of Credit Card set up.
  • Lost card liability cover available on fraudulent transactions if reported immediately to HDFC Bank's 24-hour Call Centre.

Verified · Tata Neu Infinity HDFC Bank Credit Card product page · 2026-07-10 · source

Milestone benefit

Domestic lounge access is milestone-based: 2 Complimentary Domestic Lounge Vouchers per calendar quarter (up to 8 per calendar year) on spending ₹50,000 or more in the previous/current calendar quarter.

Verified · Tata Neu Infinity HDFC Bank Credit Card product page · 2026-07-10 · source

Eligibility

Eligibility

  • Salaried: Indian national, age 21-60, net monthly income above ₹1 lakh.
  • Self-employed: Indian national, age 21-65, annual ITR above ₹12 lakh.

Verified · HDFC Bank - Tata Neu Infinity eligibility page · 2026-06-19 · source

Charges & interest

Forex markup

2% of transaction value on Foreign Currency Transactions.

Verified · Most Important Terms & Conditions (MITC) / Key Fact Statement - HDFC Bank Credit Cards (English, covers this card) · 2026-07-10 · source

Charge

  • Cash advance fee: 2.5% or ₹500 whichever is higher.
  • Finance charge (revolving credit & cash advances): 3.75% per month (45% per annum).
  • Payment Return Charges: 2% of payment amount, min ₹450.
  • Overlimit charges: 2.5% of overlimit amount, min ₹550.
  • Balance Transfer Processing: 1% of BT amount or ₹250 whichever higher.
  • Cash Processing Fee: ₹100.
  • Rewards Redemption Fee: not applicable (Tata Neu Infinity excluded).
  • Priority Pass Lounge Charges: $27 (INR equivalent) + taxes per person per visit within India / beyond complimentary cap.
  • Reissue of Lost/Stolen/Damaged Card: ₹199 (non-metal).
  • Add-on Card Fee: Lifetime Free.
  • Rent Pay (w.e.f 1 July 2025): 1% fee, capped ₹4999/txn.
  • Fuel Charges: 1% fee on fuel txns exceeding ₹15,000, capped ₹4999/txn.
  • Utility Charges: 1% fee on utility spends exceeding ₹50,000/calendar month, capped ₹4999/month.
  • Education Charges: 1% on education via third-party apps, capped ₹4999/txn.
  • Online Skill based Gaming (w.e.f 1 July 2025): 1% on spends exceeding ₹10,000/month, capped ₹4999/month.
  • Wallet Loading excl PayZapp (w.e.f 1 July 2025): 1% on spends exceeding ₹10,000/month, capped ₹4999/month.
  • Dynamic currency conversion markup fee (w.e.f 15 May 2026): 1.75% on transactions in INR at international location or India-based merchants registered overseas.
  • Late Payment Charges: Nil up to ₹100.
  • ₹100 (₹101-500).
  • ₹500 (₹501-1,000).
  • ₹600 (₹1,001-5,000).
  • ₹750 (₹5,001-10,000).
  • ₹900 (₹10,001-25,000).
  • ₹1,100 (₹25,001-50,000).
  • ₹1,300 (above ₹50,000).
  • Railway Ticket Purchase Fee: 1% + GST.
  • Card Validation charges: ₹2.

Verified · Most Important Terms & Conditions (MITC) / Key Fact Statement - HDFC Bank Credit Cards (English, covers this card) · 2026-07-10 · source

Fuel surcharge waiver

1% Fuel Surcharge waiver on fuel transactions (minimum transaction of ₹400, maximum transaction of ₹5,000 and maximum waiver of ₹500 per statement cycle).

Verified · Terms & Conditions / Rewards (NeuCoins) Program Terms - Tata Neu Infinity HDFC Bank Credit Card · 2026-07-10 · source

Interest-free period

  • Interest free (grace) credit period could range from 20 to 50 days, subject to scheme and submission of claims by merchant.
  • Not applicable if previous month's balance not cleared in full or if cash availed from ATM.

Verified · Most Important Terms & Conditions (MITC) / Key Fact Statement - HDFC Bank Credit Cards (English, covers this card) · 2026-07-10 · source

Transfers

Transfer rule

  • NeuCoins are transferred to Tata Neu by the Bank on a periodic basis (within 7 working days of statement generation).
  • NeuCoins can only be used on eligible transactions as defined by the individual brands and may not be exchanged for cash, prizes, or credit.

Verified · Terms & Conditions / Rewards (NeuCoins) Program Terms - Tata Neu Infinity HDFC Bank Credit Card · 2026-07-10 · source

Common questions

What is the annual fee on the Tata Neu Infinity HDFC Bank Credit Card?

Officially traced: Rs. 1,499 (plus applicable taxes).

Most Important Terms & Conditions (MITC) / Key Fact Statement - HDFC Bank Credit Cards (English, covers this card)

What is the joining fee on the Tata Neu Infinity HDFC Bank Credit Card?

Officially traced: Rs. 1,499 (plus applicable taxes).

Most Important Terms & Conditions (MITC) / Key Fact Statement - HDFC Bank Credit Cards (English, covers this card)

Is the Tata Neu Infinity HDFC Bank Credit Card annual fee ever waived?

Annual membership fee / renewal charges waived on minimum spend of Rs. 3 Lakh per annum.

Most Important Terms & Conditions (MITC) / Key Fact Statement - HDFC Bank Credit Cards (English, covers this card)

How does the Tata Neu Infinity HDFC Bank Credit Card earn rewards?

5% back as NeuCoins on Non-EMI retail spends on partner Tata Brands (1.5% base + 3.5% additional).

Terms & Conditions / Rewards (NeuCoins) Program Terms - Tata Neu Infinity HDFC Bank Credit Card

What lounge access does the Tata Neu Infinity HDFC Bank Credit Card include?

Domestic: 2 complimentary lounge visits per calendar quarter (up to 8 per year), unlocked by spends of ₹50,000 or more in the previous calendar quarter and issued as digital vouchers (effective 10 June 2025).

HDFC Bank - Tata Neu Infinity product page

What welcome benefit does the Tata Neu Infinity HDFC Bank Credit Card offer?

Welcome Benefit of 1,499 NeuCoins (as reversal of 1st Year Membership Fees), applicable on 1st transaction done within 30 days of card issuance, available to claim inside Tata Neu App within 60 days of such transaction.

Terms & Conditions / Rewards (NeuCoins) Program Terms - Tata Neu Infinity HDFC Bank Credit Card

What are the transfer ratios for Tata Neu Infinity HDFC Bank Credit Card points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMost Important Terms & Conditions (MITC) / Key Fact Statement - HDFC Bank Credit Cards (English, covers this card)Terms & Conditions / Rewards (NeuCoins) Program Terms - Tata Neu Infinity HDFC Bank Credit CardHDFC Bank - Tata Neu Infinity eligibility page

Official terms

https://www.hdfc.bank.in/credit-cards/tata-neu-infinity-hdfc-bank-credit-card.

Verified · Tata Neu Infinity HDFC Bank Credit Card product page · 2026-07-10 · source

Verified 2026-07-10 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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