The Tata Neu Infinity HDFC Bank Credit Card is a co-branded card created specifically for loyal shoppers of the Tata platforms, Backed by HDFC Bank and issued on both Visa and RuPay platforms, this card is unique in offering outstanding value in the form of high NeuCoin rewards on Tata brands and free access to domestic and international airport lounges. Whether it is shopping for groceries, electronics, clothing, or making flight bookings with Air India, the card rewards you handsomely at every step.
At a joining and annual fee of ₹1,499 plus taxes, the Tata Neu Infinity Credit Card offers an attractive combination of shopping rewards, travel benefits, and insurance protection. Additionally, regular spenders also get the opportunity to appreciate a renewal fee exemption by hitting an annual spend cap of ₹3 lakh. In this review, we will deeply explore its features, rewards, charges, and qualification to assist you in determining whether this card is worth having in your wallet.

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Tata Neu HDFC Bank Infinity Card Benefits
The Tata Neu Infinity HDFC Bank Credit Card arrives loaded with multiple benefits that satisfy enthusiastic shoppers, frequent flyers, and daily spenders. Right from rewarding transactions on Tata brands to providing select travel benefits and insurance protection, the card aims to deliver value to its holders.
Welcome Benefits
As a gesture of welcome, Tata Neu Infinity HDFC Bank Credit Card provides 1,499 NeuCoins on the first transaction within 30 days of card issuance. The NeuCoins, worth ₹1,499, can be redeemed through the Tata Neu app within 60 days and are valid for 365 days from the date of claim. Please note that this advantage is not available for Lifetime Free or First Year Free variants.
Shopping and Tata Neu Benefits
The card is highly rewarding for shopping within the Tata group ecosystem. Card members get 5 percent back in the form of NeuCoins on non-EMI spends through the Tata Neu app or Tata partner brands such as BigBasket, Croma, Westside, Air India, and Titan. Additionally, by switching on NeuPass membership within the Tata Neu app, customers are able to get an extra 5 percent NeuCoins reward, taking the total reward rate even higher. On all other regular spends, the card provides 1.5 percent NeuCoins, allowing consistent reward collection on day-to-day spends. Also, if you possess the RuPay version of this card and connect it to UPI, you can get up to 1.5 percent NeuCoins on qualified UPI transactions, adding more value to the card for digital transactions.
Travel Benefits
The Tata Neu Infinity HDFC Bank Credit Card offers incredible value to frequent flyers. Eight free domestic airport lounge visits per annum (two visits per calendar quarter) are offered to cardholders. For international travelers, the card provides four free international lounge visits per year through Priority Pass membership, enhancing travel experiences to become more comfortable and luxurious.
Other Benefits
Other than shopping and travel, the card also offers good protection with a number of insurance covers. The card features an air accident cover of ₹1 crore, emergency overseas hospitalization insurance of ₹15 lakh, and lost card liability protection up to ₹9 lakh. The card also provides a 1 percent fuel surcharge waiver on transactions between ₹400 and ₹5,000 with a maximum waiver of ₹500 per billing cycle.
TataNeu Infinity HDFC Credit Card Rewards
The Tata Neu Infinity HDFC Bank Credit Card is based on NeuCoins as its underlying reward currency, thus a very strong option for those who transact frequently with Tata brands and services.
Earning NeuCoins
The card has a nice and easy to understand rewards structure on various categories of spends:
- Tata Neu App and Tata Partner Brands: Get 5 percent as NeuCoins on non-EMI purchases made using the Tata Neu app or at partner stores such as BigBasket, Croma, Westside, Titan, and Air India. It works as such that for every ₹100 you spend, you receive 5 NeuCoins, essentially a ₹5 reward.
- NeuPass Members: On activating NeuPass on the Tata Neu app, cardholders will get an additional 5 percent NeuCoins advantage on specific Tata brand spends, making the total advantage a massive 10 percent back on the eligible spends.
- Other Retail Spends: On all other spends within the country or abroad out of the Tata network, the card provides 1.5 percent back in the form of NeuCoins, so every purchase remains rewarding.
- UPI Expenses (RuPay Variant Only): For customers utilizing the RuPay variant based on UPI, the card provides 0.5 percent NeuCoins on qualifying UPI transactions. In addition, when utilizing the Tata Neu UPI ID, there is an additional 1 percent NeuCoins, making 1.5 percent back, up to a maximum of 500 NeuCoins per calendar month.
Redemption of NeuCoins
Redemption is easy and hugely rewarding for Tata brand stalwarts:
- Redemption Platform: NeuCoins can be redeemed directly from the Tata Neu app or website.
- Value of NeuCoins: Every NeuCoin has a fixed value of ₹1, so it is simple to calculate and use.
- Eligible Purchases: NeuCoins can be used to redeem purchases on Tata brands like BigBasket, Croma, Westside, Tata CLiQ, Air India, IHCL Hotels, Qmin, Titan, Tanishq, and Tata 1mg.
- Validity: NeuCoins that have been earned are valid for 365 days from the last eligible earn or redemption transaction date.
TataNeu Infinity HDFC Bank Credit Card Charges
Particulars | Details |
---|---|
Joining Fee | ₹1,499 + applicable taxes |
Renewal Fee | ₹1,499 + applicable taxes |
Renewal Fee Waiver | Spend ₹3 lakh in an anniversary year |
Interest Rate | 3.6% per month (43.2% annually) |
Late Payment Charges |
– ₹100 (up to ₹100) – ₹500 (₹101 to ₹500) – ₹600 (₹501 to ₹5,000) – ₹950 (₹5,001 to ₹10,000) – ₹1,100 (₹10,001 to ₹25,000) – ₹1,300 (₹25,001 to ₹50,000) – ₹1,400 (above ₹50,000) |
Foreign Currency Markup Fee | 2% of the transaction amount |
Cash Advance Fee | 2.5% of the withdrawn amount (minimum ₹500) |
Reward Redemption Fee | ₹99 + applicable taxes per request |
Tata Neu HDFC Bank Infinity Credit Card Eligibility
The Tata Neu Infinity HDFC Bank Credit Card is designed for both salaried and self-employed individuals who fulfill certain age and income criteria. These are the details:
Eligibility Criteria
- Age (Salaried Applicants): 21-60 years
- Age (Self-Employed Applicants): 21-65 years
- Income Criteria (Salaried): ₹1 lakh as minimum monthly income
- Income Criteria (Self-Employed): Minimum annual income as per HDFC Bank’s internal credit policy
- Residency: Applicant should be an Indian resident with a regular source of income
- Credit Score: A good credit score (usually 700 and above) is desirable for approval
Documents Required
Applicants should submit the following documents at the time of application:
- Identity Proof: PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License
- Address Proof: Aadhaar Card, Passport, Utility Bills (not more than 3 months old), or Rent Agreement
- Income Proof:
- For salaried customers: Latest salary vouchers (3 months) or Form 16
- For self-employed customers: Latest Income Tax Returns (ITR) with audited financials
- Photograph: One recent color passport-sized photo in case of offline application.
Note: HDFC Bank can request other documents based on internal verification or credit assessment needs.
TataNeu Infinity HDFC Bank Credit Card Review
Before applying for the Tata Neu Infinity HDFC Bank Credit Card, it’s important to check how much you use Tata platforms. If you’re a frequent shopper or user of Tata brands like BigBasket, Croma, Westside, or even Air India, this card can be a great fit. The rewards system, based on NeuCoins, provides solid returns, especially if you make purchases within the Tata ecosystem.
The joining fee of ₹1,499 is effectively refunded via the welcome gift of 1,499 NeuCoins, meaning that the cost of acquiring this card is offset right from the start. So, the joining fee is not a problem for most users. However, there is a potential downside: NeuCoins earned through this card expire within 365 days, which could be a drawback for those who don’t consistently use Tata services to redeem them. The income criteria for eligibility is relatively hard, with a requirement of a minimum monthly income of ₹1 lakh for salaried individuals, which may limit the number of users eligible for the card. This can be a negative point for people with average incomes, who may find it hard to qualify.
Overall, the Tata Neu Infinity HDFC Bank Credit Card is perfect for loyal Tata users who regularly shop with Tata brands. It offers excellent rewards through NeuCoins, specially when paired with Tata NeuPass, but the strict income requirements and the 365-day validity on NeuCoins may make it unsuitable for some users.
FAQs
What is the Tata Neu Infinity HDFC Bank Credit Card joining fee?
The Tata Neu Infinity HDFC Bank Credit Card joining fee is ₹1,499 with applicable taxes. However, the fee is actually reimbursed in effect by the welcome gift of 1,499 NeuCoins.
How does one earn NeuCoins with the Tata Neu Infinity Credit Card?
You can earn NeuCoins on the purchase value of 5% through transactions made using the Tata Neu app and Tata partner brands like BigBasket, Westside, Croma, and Titan. On general spends, you will get 1.5% as NeuCoins, and a maximum of 1.5% NeuCoins can also be earned on UPI transactions using the RuPay variant.
What are the key advantages of this card?
The card provides rewards such as NeuCoin rewards on shopping at Tata brands, free airport lounge access, insurance cover like air accident cover, and fuel surcharge waiver. These rewards will be of maximum benefit to frequent Tata shoppers.
Do the NeuCoins have an expiry date?
Yes, NeuCoins that are earned through the card have a 365-day validity from the date of earning them.
What is the income requirement to apply for the Tata Neu Infinity Credit Card?
The card can be purchased by salaried individuals earning a minimum of ₹1 lakh per month. Self-employed customers need to qualify on the basis of income set by HDFC Bank’s internal policy.