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REWARD POINTS CARD

Tata Neu Infinity HDFC Bank Credit Card

HDFC Bank

NeuCoins on spends: 5% on Non-EMI spends on Tata Neu and partner Tata brands, 1.5% on other eligible non-UPI spends, up to 1.5% on eligible UPI spends. Includes lounge access and a 1% fuel surcharge waiver.

No NeuCoins on fuel, wallet loads, rent, government or online skill-based gaming spends. Grocery, insurance, utility and telecom NeuCoins are capped at 2,000 a month each; UPI NeuCoins at 500 a month.

Tata Neu Infinity HDFC Bank Credit Card
ANNUAL FEE
₹1,499 + GST
JOINING FEE
₹1,499 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
5% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands
BEST FOR
Included: May suit cardholders who spend regularly with Tata group brands and can use NeuCoins on eligible Tata Neu purchases
Included: May suit those who spend regularly at Tata Neu and partner Tata brands such as Croma, Tata CLiQ and bigbasket.
Included: May suit those whose spend is mostly everyday non-UPI purchases that earn 1.5% NeuCoins.
Included: May suit those who can reach ₹50,000 of spend in a calendar quarter to unlock domestic lounge vouchers.
Limitation: Those heavy fuel, rent, wallet-load or government spends, which earn no NeuCoins may wish to compare other cards.
Limitation: Those with significant fuel, rent, wallet-load or government spends may wish to compare other cards.
Limitation: Those who want rewards usable beyond eligible Tata brands may wish to compare other cards.
Limitation: Those unlikely to reach ₹3,00,000 of yearly spend may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Domestic lounge vouchers need ₹50,000 or more spend in a calendar quarter; Priority Pass on the VISA variant is issued on request.
Condition: From 25-Nov-2026, the primary cardholder must claim NeuCoins in the Tata Neu App; unclaimed NeuCoins expire 12 months after the statement date.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
21
Maximum age
60

Fees & ownership

Joining fee
₹1,499 + GST
Annual / renewal fee
₹1,499 + GST
Fee waived at
₹3,00,000 in a year before renewal date (excl. Cash on Call, Balance Transfer, Cash Withdrawal)
Forex markup
Not stated
Finance charge
3.75% per month
Cash withdrawal fee
2.5% of the amount
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Recorded — count not stated — 2 complimentary domestic lounge vouchers per calendar quarter (up to 8 per calendar year) · Voucher after ₹50,000+ quarterly spend; claim within 120 days, use within 180 days of issue; VISA / RuPay · ₹50,000 or more in a calendar quarter
International airport lounge
4 visits per quarter — 4 complimentary lounge visits per calendar year (1 per quarter), outside India · VISA: Priority Pass on request, shared with add-ons; extra visits and guests US $27 + GST. RuPay: $3.25 fee, reversed · ₹50,000 or more in a calendar quarter
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass (international, VISA); RuPay network lounges (international, RuPay)
EVERYDAY
Fuel
1% waiver on fuel transactions of ₹400 to ₹5,000; max waiver ₹500 per statement cycle (all fuel stations in India)
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel, wallet/gift/prepaid card loads and vouchers, rent, government, online skill-based gaming, cash advances, EMI conversions, card fee payments, education via third-party apps; Fuel; wallet, gift/prepaid card loads, vouchers; cash advances; payment of dues and card fees; Smart EMI / Dial an EMI; rental; government; online skill-based gaming (MCC 5816); education via third-party apps
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
12 months
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: 5% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands
Included: Earn 5% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata brands, and 1.5% on eligible Non-Tata brand and Merchant EMI spends.
Included: Complimentary lounge access: 2 domestic vouchers per calendar quarter (up to 8 a year) and 4 international visits per calendar year.
Included: 1% fuel surcharge waiver on fuel transactions of ₹400 to ₹5,000, up to ₹500 per statement cycle.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.