The Tata Neu Infinity HDFC Bank credit card is the higher variant of the two co-branded Tata Neu HDFC Bank credit cards. It offers a reward rate of 1.5% to 5% and is one of the best credit cards for UPI spending today. With benefits like complimentary airport lounge access and 5% rewards on Tata Neu spends, this is a must-have credit card for your wallet. Here is a detailed review of the Tata Neu Infinity HDFC Bank credit card.
Fees and Charges
|Joining Fee||Rs 1499+GST or FYF|
|Welcome Benefit||1499 NeuCoins|
|Annual Fee||Rs 1499+GST or LTF|
|Annual Fee Waiver||Spend Rs 3 Lakhs in a membership year|
The welcome benefit is applicable only if the joining fee is paid. It will not be available for FYF and LTF cards. We have to do a transaction within 30 days of card issuance to avail of the welcome benefit.
The card is issued on both Visa and RuPay platforms. But, we recommend getting the RuPay variant when applying for the card as we can use it for UPI spending.
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
|Tata Neu and partner brands on app||5%|
|Air India mobile and app bookings||5%|
|Utility Bill Payments and Recharges with Tata Pay||5%|
|All other spends (including merchant EMI and UPI)||1.5%|
|Wallet, Gift Vouchers, Fuel, Rent, and Government Transactions||0%|
- Partner brands include 1MG, Big Basket, Croma, Air Asia, Tata CLiQ, IHCL, Westside, Qmin, Tata Play, and Cult
- Rewards for Grocery transactions capped at 2000 NeuCoins per calendar month
- Rewards for Insurance spending capped at 2000 NeuCoins per day
- Rewards for UPI spends capped at 500 NeuCoins per calendar month
5% on utility bills and partner brands are the USPs of the Tata Neu Infinity HDFC Bank credit card.
Fair Usage Policy: Caps on Tata Brand Merchants Rewards
One of the things that the Tata Neu Infinity credit card has done is impose a fair usage policy cap on its rewards. This ensures that commercial spending on this card is limited. The caps apply on the spends that earn 5% NeuCoins on Tata Partner brands and transactions.
|Brand||Max Monthly Spends eligible for 5% NeuCoins||Max Annual Spends eligible for 5% NeuCoins|
|Croma||Rs 6 Lakhs||Rs 18 Lakhs|
|Tata CLiQ, Westside||Rs 3 Lakhs||Rs 18 Lakhs|
|IHCL, Qmin, Air Asia||Rs 8 Lakhs||Rs 30 Lakhs|
|1MG, Cult, Tata Play||Rs 2 Lakhs||Rs 15 Lakhs|
|Bill Payments – Tata Pay||Rs 50000||Rs 6 Lakhs|
|Big Basket||Rs 1 Lakh||Rs 12 Lakhs|
|Titan, Tanishq||Rs 6 Lakhs||Rs 18 Lakhs|
HDFC Bank SmartBuy Offers for Tata Neu Infinity Credit Card
The Tata Neu Infinity HDFC Bank credit card does not get the 5% cashback or 5X rewards benefits on SmartBuy like other HDFC Bank credit cards. Instead, we get bonus NeuCoins for SmartBuy transactions at a much lower rate. We can earn a maximum of 1000 bonus NeuCoins per calendar month through SmartBuy.
|Category||Tata Neu Infinity HDFC Bank Credit Card (NeuCoins)|
|Apple Imagine Tresor||1.5%|
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|
- Airport lounge access in India will be with Visa or Rupay based on card variant. The service is provided by DreamFolks.
- Check this link for the list of eligible airport lounges in India for Tata Neu HDFC Bank credit cards
- Check this link for the list of eligible airport lounges outside India for Tata Neu Infinity HDFC Bank Rupay credit card
- 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 ~2.36%
The Tata Neu Infinity credit card is a good option. 5% rewards on Tata Neu and partner brands and 1.5% elsewhere are pretty good for a co-branded card. We also get international airport lounge access on both Visa and Rupay variants.
While we do have the SBI Cashback card now for 5% cashback on online transactions, the Tata Neu Infinity is a good backup if the former gets devalued. Plus, we also get the Tata Neu Infinity credit card as LTF on the Tata Neu app for many customers.
The 1.5% NeuCoins on UPI spends is another good benefit for the Rupay variant. We get rewards on daily spending that we used to pay with UPI from our bank account. Just add your Tata Neu credit card to BHIM and you are good to pay right from your credit card.
Frequently Asked Questions
Tata Neu Infinity HDFC Bank Credit Card