HDFC Tata Neu Infinity Credit Card
★ 4.2 / 5 ⓘ How we rate5% back on Tata brands + rewards on UPI
✅ Verified Oct 2026 from HDFC Bank's official terms →
✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026
Why people love it
BigBasket, Croma, Tata CLiQ, 1mg & Air India Express shoppers
Key benefits
- 5% back as NeuCoins on Tata brands (extra 5% on select Tata Neu app categories)
- 1.5% back on all other eligible spends
- Up to 1.5% on UPI with the RuPay variant
- 1,499 NeuCoins on your first transaction within 30 days
- Up to 8 domestic lounge visits a year (2 per quarter on ₹50,000 spend)
- ₹1 crore air accident cover + overseas medical cover
What's great
- Welcome bonus equals the fee
- 1 NeuCoin = ₹1
- Low 2% forex fee
Good to know
- NeuCoins only usable in Tata ecosystem
- UPI rewards capped at 500 NeuCoins/month
- Needs ₹12 lakh+ yearly income
Quick facts
How to apply
Keep these ready
- 🪪 PAN card
- 🆔 Aadhaar (for e-KYC / video KYC)
- 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
| Interest on unpaid bill | 3.75%/month (45% p.a.) |
| Foreign currency markup | 2% |
| Cash withdrawal fee | 2.5% (min ₹500) |
| Late payment fee | ₹0 – ₹1,300 by bill amount |
- 1% fee on rent payments
- ₹99 reward redemption fee
- 18% GST applies on all fees
💡 Pay your full bill before the due date and you pay zero interest.
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❓ HDFC Tata Neu Infinity — common questions
Is the HDFC Tata Neu Infinity Credit Card lifetime free?
No. It has a joining fee of FREE and an annual fee of ₹1,499 (plus 18% GST). Renewal fee waived on ₹3 lakh yearly spend.
What rewards does the HDFC Tata Neu Infinity Credit Card give?
1.5% – 10% NeuCoins. 5% back as NeuCoins on Tata brands (extra 5% on select Tata Neu app categories).
Who is eligible for the HDFC Tata Neu Infinity Credit Card?
Minimum income: ₹12 lakh/year. Age: 21 – 60 years. Credit score: 720+. Final approval is decided by the bank.
Does the HDFC Tata Neu Infinity Credit Card give airport lounge access?
Yes — Up to 8 domestic/year (spend-linked).
What is the forex markup on the HDFC Tata Neu Infinity Credit Card?
2% on foreign currency spends (plus GST).
Who should get the HDFC Tata Neu Infinity Credit Card?
BigBasket, Croma, Tata CLiQ, 1mg & Air India Express shoppers.
Approval is at the bank's discretion. Check final terms on the bank's page before applying.