The Tata Neu Infinity HDFC Bank credit card is the premium option among the two co-branded credit cards offered by HDFC Bank and Tata Neu. It comes with no joining fee for the first year. From the second year onwards, the annual fee is Rs 1499+GST, which can be waived if you spend Rs 3 lakh. This card offers a reward rate of 1.5% on retail and UPI transactions, and a 5% reward rate for spending with Tata Neu partners, making it one of the best choices for frequent shoppers. Additional benefits include complimentary airport lounge access and a fuel surcharge waiver. In this review, we’ll explore the card’s features, benefits, reward programs, and overall value to help you decide if it’s the right fit for your spending needs.
Fees
| Joining Fee | Zero (First Year Free) |
| Welcome Benefit | None |
| Annual Fee | Rs 1499+GST or LTF |
| Renewal Benefit | 1499 NeuCoins if fee is charged |
| Annual Fee Waiver | Spend Rs 3 Lakh in a membership year |
The Tata Neu Infinity HDFC Bank Credit Card is available on both Visa and RuPay platforms. However, we recommend opting for the RuPay variant when applying for the card, as it allows you to make UPI transactions. You can select the RuPay option during the application process.
The Tata Neu credit cards are being offered LTF to a lot of customers on the Tata Neu app. So, do check if you are eligible for it.
Tata Neu Infinity HDFC Bank Credit Card Rewards Program: NeuCoins
| Purchase Category | Rewards (NeuCoins) |
|---|---|
| Tata Neu and partner brands on app | 5% |
| Air India mobile and app bookings | 5% |
| Utility Bill Payments and Recharges with Tata Pay | 5% |
| Retail Spends | 1.5% |
| UPI Spends on Tata Neu App | 1.5% |
| UPI spends on other UPI apps | 0.5% |
| Wallet, Gift Vouchers, Fuel, Rent, and Government Transactions | 0% |
- Partner brands include 1MG, Big Basket, Croma, Air India Express, Air India, Tata CLiQ, IHCL, Westside, Qmin, Tata Play, Titan, Tanishq and Cult
- Grocery transactions earn rewards up to 2000 NeuCoins per calendar month.
- Insurance spending earns rewards up to 2000 NeuCoins per day.
- UPI spends earn rewards up to 500 NeuCoins per calendar month, which corresponds to a spend of approximately Rs 33,300 per month.
The Tata Neu Infinity HDFC Bank credit card stands out with its 5% rewards on utility bills and partner brands. The RuPay variant is particularly popular due to its ability to earn rewards on UPI transactions.
Fair Usage Policy: Caps on Tata Brand Merchants Rewards
A notable feature of the Tata Neu Infinity credit card is its fair usage policy cap on rewards. This helps prevent excessive commercial spending on the card. The caps are applied to transactions that earn 5% NeuCoins on Tata Partner brands and purchases.
| Brand | Max Monthly Spends eligible for 5% NeuCoins | Max Annual Spends eligible for 5% NeuCoins |
|---|---|---|
| Croma | Rs 6 Lakh | Rs 18 Lakh |
| Tata CLiQ, Westside | Rs 3 Lakh | Rs 18 Lakh |
| IHCL, Air India Express, Air India | Rs 8 Lakh | Rs 30 Lakh |
| 1MG, Cult, Tata Play | Rs 2 Lakh | Rs 15 Lakh |
| Bill Payments – Tata Pay | Rs 1 Lakh | Rs 6 Lakh |
| Big Basket | Rs 1 Lakh | Rs 12 Lakh |
| Titan, Tanishq | Rs 6 Lakh | Rs 18 Lakh |
| Food Delivery via Tata Neu | Rs 50,000 | Rs 6 Lakh |
BoB Eterna
Lifetime FreeHDFC Bank SmartBuy Offers for Tata Neu Infinity Credit Card
The Tata Neu Infinity HDFC Bank credit card is not eligible for HDFC Bank SmartBuy program.
Kiwi RuPay Card
Lifetime FreeRewards Redemption
The Tata Neu Infinity HDFC Bank credit card statements show the NeuCoins earned per transaction. Earned NeuCoins are automatically transferred to the Tata Neu app within 7 days of statement generation. They can be used on any of the partner brands for purchases. 1 NeuCoin = Rs 1 for all brands.
Complimentary Airport Lounge Access
| Airport Lounge Access in India | 2 visits/quarter |
| Airport Lounge Access outside India | 1 visit/quarter |
| Spends required for Airport Lounge Access | None |
Effective 10 June 2025, domestic lounge access is now milestone-based. To qualify, you must spend ₹50,000 or more in a calendar quarter.
- Once claimed, the voucher is valid for 180 days and can be used at eligible lounges.
- Lounge access will be via a voucher, not direct card swipe.
- On qualifying, you’ll get an SMS and email with a link.
- Claim your lounge voucher within 120 days using your registered mobile number.
- Check out the process at this link.
Key Benefits
- Fuel Surcharge Waiver: 1% waiver for transactions between Rs 400 and Rs 5000. Maximum waiver of Rs 500 per statement.
- Foreign Currency Markup: 2%+GST ~2.4%
Tata Neu Infinity HDFC Bank Credit Card vs Cashback Credit Cards
The Tata Neu Infinity HDFC Bank credit card can be treated like a cashback card, as 1 NeuCoin equals Rs 1. To see how the Neu Infinity compares to other cashback credit cards, check out the chart below. It provides a comparison of cashback percentages across various cards and spend categories to help you find the best one for your spending needs.
Special Offers and Discounts
The Tata Neu Infinity HDFC Bank credit card offers cardholders exclusive discounts and offers every month.
- PayDay Sales: In the first week of each month, Tata Neu hosts the PayDay sale, where you can earn bonus NeuCoins by placing orders. These bonus NeuCoins can be redeemed at partner brands like BigBasket, 1mg, Croma, and more. For example, if you’re shopping on BigBasket, you can stack multiple offers, such as 10% off with the Tata Neu credit card and an additional 10% NeuCoins through NeuCard and NeuPass. This combination can help you save up to 25% on grocery items.
- Other Bonus Offers: We also receive frequent offers on partner brands like 1mg, BigBasket, and others, allowing us to earn bonus NeuCoins on purchases. These offers regularly appear on the Tata Neu app and are often targeted to specific users.
Final Thoughts
The Tata Neu Infinity credit card is a solid choice, offering 5% rewards on Tata Neu and partner brands, and 1.5% on other spends – quite favorable for a co-branded card. Both the Visa and RuPay variants provide international airport lounge access.
While the SBI Cashback card offers 5% cashback on online transactions, the Tata Neu Infinity serves as a great backup if the former’s benefits are reduced. Additionally, many customers can avail the Tata Neu Infinity card as a Lifetime Free (LTF) option through the Tata Neu app.
A key advantage of the RuPay variant is the 1.5% NeuCoins earned on UPI spends. This is a valuable perk, allowing you to earn rewards on everyday purchases you typically pay via UPI from your bank account. Simply add your Tata Neu credit card to the Tata Neu app, and you can seamlessly pay using your credit card.
Frequently Asked Questions
Tata Neu Infinity HDFC Bank Credit Card
I think after 10-Jun-2025, Lounge access is based on spends. May need to update
Does this card offer 5% Neu coins on offline jewellery purchase in Tanishq as well?
Yes
Hi, I need to make a EDU fees for my Kid. (78k) next week. If I use Tata Neu Infinity will 1.5% points? Because paying through their website is going to cost my 1.5% + GST.. I have approached the school to postpone payment to Feb end but still not heard back from them.
Yes, you should get 1.5% NC for education payments on school websites. Education payments made through third-party apps like CRED, Cheq, MobiKwik, and others will not earn NeuCoins.
Is fair usage policy applicable for calendar year(Jan to Dec) card anniversary year( card issue month to next year same month)
No clarity on that but should be calendar year
Hi Team,
Do I need to pay from the account with linked mobile number to get 5% cashback or any other account is fine to get cashback?
If this is for bill payments – For 5% NC, payments need to be done through the Tata Neu Infinity credit card and Tata Neu app.
Is there any minimum payment criteria for getting rewards
I have a question regarding Tata Neu Infinity 1.5% on education payments. What is the limit on Neu coins? Does it come under UPI limit or it comes under Retail spends? Is SBI collect education payment eligible for 1.5 Neu coins?
SBI Collect education payments will come under UPI limit. So, max 500 NC.
I have Infinity as an ltf card.
And Axs Ace (paid).
(After considering the recent devaluation in Axs Ace from 2% to 1.5% cb for offline, now both are at 1.5%)
Hence, comparing these two wrt Billpay benefit of 5% in each case, which one do you suggest ?
(as I’m thinking to close ace)
Your suggestion would be appreciated.
Just for Billpay, if Tata Neu Infinity suffices your requirements then don’t see any need for Ace. But, check once by paying all your bills with Tata Neu for a month. Sometimes, the Tata Neu app will not show the credit card option after exceeding bill pay transactions limits. This limit is user-specific.
Hi,
For insurnce payment, do we get 1.5% or 5% ?
5% if paid through Tata Neu app, else 1.5%
I hold the infinia card for the past 3 years but am getting this card only FYF. Is there a way I ask for this to be made LTF?
You can request Tata Neu on X to make it LTF as you have more than Rs 1.5 Lakh limit on existing credit card. But no assurances.
If one takes the LTF offer, will it effect chances of upgrading to another hdfc card in the future or its completely arbitrary
Hold the DCB card
This is a co-branded card. Not sure if upgrades will work on it. This is supposed to be a floater card.
Sorry to not be clear,
If I continue to hold the DCB and take the infinity, will it effect my chances in the future to upgrad the DCB ?
No, there is no impact of that.
Does this card earn rewards for fuel transaction via UPI ?
No, it is excluded
Applied for my father and my wife.. Kvc for my wife was completed.. it was principally approved today.. Still digital card is not generated.
2) My father is 78 years and he already holds Infinia Card.. When I applied with his DOB it did not allow me above 65 age.. So had to change the dob to 65 and got principally approved with Infinia Limit.. We had a kyc call but could not go through due to his age and they confirmed me that they would send a person to my place for the same.. Will both be approved..
The first one is done. Doing the second one is not advisable.
I applied this card yesterday and completed KYC. Today status is shown as rejected in Tata nue app. Also there is an email from hdfc bank to enhance limit of my existing card (I have regalia). They could not process my application due to internal policy.
It’s so frustrating behavior from HDFC Bank. Now I am so angry that I will close my regalia card also as they are not converting it to rupay also.
It’s not applicable for all UPI transactions. The merchant should hold the transactional account in merchandise name. Some of the merchants give their own account as UPI which will not work. However still beneficial for genuine merchants. There is a limit of 2000 per transaction if you pay by scan from image option which is a little annoying
Idk why the Tata Neu app shows that I’m not eligible for this card.
I even have a salaried account in HDFC and pass all the eligibilities required for this.
The card was initially offered FYF and I didn’t take it. Then got an LTF offer, and after lots of notifications and messages from Tata Neu, eventually applied for the card. Already have HDFC Millenia for more than 3 years. But As I happen to be visually impaired, the executive refused to process the KYC online and instead arranged offline KYC. Took 3 days for that to happen. Been more than 3 weeks after that, yesterday I had an executive verification visit at home and he promised the card will be processed soon. HDFC behaving like a typical PSB!! They should learn from ICICI, the AmazonPay card, for those who have an existing relationship with the bank, is processed within a minute with absolutely no fuss or drama.
Finally received the physical card today. The digital card was generated a couple of days ago. Now waiting for the limit to be set at par with my Millania as at the outset, HDFC would issue the card with a limit of only 5000. The card is a decent product, but HDFC really needs to sort their processes out…
thanks for prompt response.
but in the app,there is a message that we are sorry we could not take your application ahead.
so please help.
That message means you are not eligible for the Tata Neu credit card. So, you need to wait to see if it works in the future.
i am already having diners card so i am not getting this card.
please guide how can i get this card?
thanks
Existing HDFC Bank credit card customers are eligible to get this as a second card. Check your Tata Neu app to apply.
I also have Diners Club Privilege card. I got a LTF offer in the Tata Neu app, applied and had the card within a weeks time.