HDFC Bank · Mid-tier rewards card
Tata Neu Infinity HDFC Bank Credit Card
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.
Fees & welcome
Joining fee
₹1,499 + applicable taxes.
Verified · HDFC Bank - Tata Neu Infinity Fees and Charges · 2026-06-19 · source
Annual / renewal fee
₹1,499 + applicable taxes.
Verified · HDFC Bank - Tata Neu Infinity Fees and Charges · 2026-06-19 · source
Fee waiver
Renewal fee waived on spends of ₹3,00,000 or more in the year before renewal.
Verified · HDFC Bank - Tata Neu Infinity Fees and Charges · 2026-06-19 · source
Welcome benefit
- 1,499 NeuCoins (a reversal of the first-year membership fee), credited in the Tata Neu app on your first transaction within 30 days of card issuance - claimable within 60 days and valid 365 days from the claim date.
- Not available on lifetime-free or first-year-free cards.
Verified · HDFC Bank - Tata Neu Infinity Terms and Conditions (updated 03 Jan 2026) · 2026-06-19 · source
Earn rates
- 5% back as NeuCoins on non-EMI spends at partner Tata brands (1.5% base + 3.5% accelerated).
- 1.5% back on all other non-EMI spends and on merchant EMI.
- On the RuPay variant, UPI spends earn 1.5% (0.5% on any UPI ID plus 1% via the Tata Neu UPI ID), capped at 500 NeuCoins per month.
- An additional up to 5% back via Tata NeuPass on select Tata Neu categories, credited to your NeuPass account.
Verified · HDFC Bank - Tata Neu Infinity Terms and Conditions (updated 03 Jan 2026) · 2026-06-19 · source
Lounge & forex
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
Forex markup
2% of the transaction value.
Verified · HDFC Bank - Tata Neu Infinity Fees and Charges · 2026-06-19 · source
Who it's for
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 & charges
Interest-free period
20 to 50 days, depending on your statement cycle.
Verified · HDFC Bank - Tata Neu Infinity Fees and Charges · 2026-06-19 · source
Charge
- Finance charge 3.75% per month (45% per annum) on revolving balances and cash advances.
- Cash advance fee 2.5% of the amount or ₹500, whichever is higher.
- Dynamic currency conversion markup 1% on rupee transactions made at international locations or at India-registered overseas merchants. 1% fuel surcharge waiver on fuel transactions of ₹400 to ₹5,000, capped at ₹500 per statement cycle.
- A 1% fee (capped at ₹4,999) applies to rent, fuel spends above ₹15,000, utility spends above ₹50,000 per month, and education payments via third-party apps.
- Railway-ticket purchases carry 1% + GST.
- Rewards redemption fee ₹99 per request.
Verified · HDFC Bank - Tata Neu Infinity Fees and Charges · 2026-06-19 · source
Rewards
Redemption value
- 1 NeuCoin = ₹1 on Tata Neu Rewards-eligible purchases (Tata Neu app/website and partner brands such as Croma, BigBasket, Westside, Tata CLiQ, IHCL hotels, Tata 1mg and Air India Express), redeemed via Tata Pay or the NeuCoins option.
- NeuCoins are transferred to your Tata Neu account within 7 working days of the statement, are valid for 12 months from the end of the month they are credited, and cannot be exchanged for cash.
Verified · HDFC Bank - Tata Neu Infinity Terms and Conditions (updated 03 Jan 2026) · 2026-06-19 · source
Reward cap
- 1.5% NeuCoins on grocery, insurance, utility and telecom/cable spends are each capped at 2,000 NeuCoins per month, and UPI NeuCoins are capped at 500 per month.
- The 5% on partner Tata brands is subject to per-brand monthly and annual spend caps - for example Croma ₹6 lakh/month, Tata CliQ and Westside ₹3 lakh/month, IHCL and Air India ₹8 lakh/month, BigBasket ₹1 lakh/month, and Titan/Tanishq ₹6 lakh/month.
Verified · HDFC Bank - Tata Neu Infinity Terms and Conditions (updated 03 Jan 2026) · 2026-06-19 · source
Reward exclusion
Verified · HDFC Bank - Tata Neu Infinity Terms and Conditions (updated 03 Jan 2026) · 2026-06-19 · source
Protection
Insurance
- Accidental air death cover of ₹1 crore.
- Emergency overseas hospitalization cover up to ₹15 lakh.
- Lost card liability cover up to ₹9 lakh.
Verified · HDFC Bank - Tata Neu Infinity product page · 2026-06-19 · 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
Official sources
Verified 2026-06-19 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.