The Tata Neu Infinity HDFC Bank Credit Card is the premium variant of the two Tata Neu co-branded credit cards offered by HDFC Bank. With a second-year annual fee of ₹1499 + GST (waived on annual spends of ₹3 lakh), it is designed for regular Tata ecosystem users who want to maximize the value of their everyday spending.
The card earns 1.5% back as NeuCoins on most retail and eligible UPI transactions, while purchases made through the Tata Neu app and partner Tata brands can earn up to 5% back, making it one of the strongest rewards cards for loyal Tata customers. Cardholders also receive domestic and international airport lounge access, a fuel surcharge waiver, and other premium travel benefits.
In this review, we take a closer look at the Tata Neu Infinity Credit Card’s rewards, benefits, fees, drawbacks, and overall value to help you decide whether it deserves a place in your wallet.
Tata Neu Infinity HDFC Bank Credit Card Review: Fees
| Feature | Details |
|---|---|
| Joining Fee | NIL – First Year Free |
| Welcome Benefit | 1499 NeuCoins on the first eligible transaction (not applicable for First Year Free or Lifetime Free cards) |
| Annual Fee | ₹1499 + GST or LTF under promotional offer |
| Renewal Benefit | None |
| Annual Fee Waiver | Spend ₹3 lakh in a membership year |
The Tata Neu Infinity HDFC Bank Credit Card comes with an annual fee of ₹1499 + GST, which is waived if you spend ₹3 lakh or more in a membership year. While there is no separate renewal benefit, the fee waiver makes it easy for regular users to keep the card at no cost.
The card is available on both Visa and RuPay networks. We recommend choosing the RuPay variant, as it lets you earn NeuCoins on eligible UPI transactions in addition to regular card spends. Unless you specifically need a Visa card, the RuPay variant offers better overall value for most users.
HDFC Bank also periodically runs First Year Free and Lifetime Free offers for eligible customers. If you’re planning to apply, it’s worth checking the latest offer, as it can significantly improve the card’s overall value.
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 app spends at Tata partner brands | 5% |
| Air India and Air India Express bookings via the Tata Neu app | 5% |
| Utility, telecom and cable bill payments via Tata Pay on the Tata Neu app | 5% |
| Other eligible retail spends | 1.5% |
| Eligible UPI spends using the Tata Neu RuPay Credit Card | 1.5% |
| Eligible UPI spends through other UPI apps | 0.5% |
| Wallet loads, fuel, rent, government transactions, online gaming and other excluded categories | No NeuCoins |
The Tata Neu Infinity Credit Card earns 5% NeuCoins on purchases made through the Tata Neu app across eligible Tata partner brands, Air India and Air India Express bookings, and utility, telecom and cable bill payments made via Tata Pay. All other eligible retail transactions earn 1.5% NeuCoins, while eligible UPI transactions made using the RuPay variant also earn 1.5% NeuCoins.
We receive up to 5% additional NeuCoins on eligible Tata Neu app purchases using the Neu Infinity credit card. These extra rewards are offered through the Tata Neu loyalty program and are separate from the credit card’s base rewards.
Eligible Tata partner brands include Air India, Air India Express, BigBasket, Croma, Tata 1mg, Tata CLiQ, Westside, Titan, Tanishq, IHCL Hotels (Taj, Vivanta, SeleQtions and Gateway), Qmin, Tata Play and Cult.
Reward earning caps apply to a few categories:
- Grocery spends: 2000 NeuCoins per calendar month.
- Utility, telecom and cable bill payments: 2000 NeuCoins per calendar month.
- Insurance payments: 2000 NeuCoins per day.
- Eligible UPI transactions: 500 NeuCoins per calendar month.
Tata Neu Infinity HDFC Bank Credit Card: Fair Usage Policy
HDFC Bank applies a Fair Usage Policy (FUP) to the accelerated 5% NeuCoins earned on eligible Tata partner brands. Once you exceed the monthly or annual spending limit for a particular brand, additional spends at that brand will no longer earn the accelerated 5% NeuCoins. Instead, they will earn the card’s regular reward rate, wherever applicable.
| Tata Partner Brand | Monthly Spend Eligible for 5% NeuCoins | Annual Spend Eligible for 5% NeuCoins |
|---|---|---|
| Croma | ₹6 lakh | ₹18 lakh |
| Tata CLiQ, Westside | ₹3 lakh | ₹18 lakh |
| IHCL Hotels, Air India, Air India Express | ₹8 lakh | ₹30 lakh |
| Tata 1mg, Cult, Tata Play | ₹2 lakh | ₹15 lakh |
| Tata Pay (Utility, Telecom & Bill Payments) | ₹1 lakh | ₹6 lakh |
| BigBasket | ₹1 lakh | ₹12 lakh |
| Titan, Tanishq | ₹6 lakh | ₹18 lakh |
| Food Delivery via Tata Neu | ₹50,000 | ₹6 lakh |
These limits are extremely generous and are unlikely to affect individual cardholders. They are primarily intended to prevent commercial or bulk spending from earning unlimited accelerated rewards. For most users, the Fair Usage Policy should have little to no impact on the overall value of the card.
HDFC Bank SmartBuy Benefits for Tata Neu Infinity Credit Card
The Tata Neu Infinity Credit Card is eligible for offers on the HDFC Bank SmartBuy portal. Instead of earning HDFC Reward Points, eligible SmartBuy transactions earn additional NeuCoins, which are credited to your Tata Neu account after statement generation.
| SmartBuy Category | Additional NeuCoins |
|---|---|
| IGP.com | 6% |
| Hotels (Cleartrip & MakeMyTrip) | 6% |
| Flights (Via, Cleartrip, EaseMyTrip & Goibibo) | 1.5% |
| IRCTC | 1.5% |
| RedBus | 1.5% |
| Instant Vouchers | 1.5% |
| Apple Imagine & Tresor | 1.5% |
| Flipkart | 1.5% |
Maximum additional benefit: 1000 NeuCoins per calendar month.
While these SmartBuy offers are useful, they are not as rewarding as the accelerated SmartBuy reward rates offered on premium HDFC Bank credit cards such as Infinia or Diners Club Black. The Tata Neu Infinity Credit Card delivers its best value through purchases made on the Tata Neu app and Tata partner brands, with SmartBuy acting as an added bonus rather than a primary benefit.
Tata Neu Infinity HDFC Bank Credit Card: Rewards Redemption
The Tata Neu Infinity Credit Card earns rewards in the form of NeuCoins. The NeuCoins earned on each transaction are reflected in your monthly credit card statement and are automatically transferred to your Tata Neu account within 7 working days of statement generation.
Once credited, NeuCoins can be redeemed across the Tata Neu app and eligible Tata partner brands, including Air India, BigBasket, Croma, Tata 1mg, Tata CLiQ, Westside, Titan, Tanishq, IHCL Hotels, Qmin, Tata Play and Cult.
One of the biggest advantages of the rewards program is its straightforward redemption value—1 NeuCoin = ₹1. There are no complicated reward conversions or transfer ratios, making it easy to understand the value of your rewards and redeem them against eligible purchases within the Tata ecosystem.
Tata Neu Infinity HDFC Bank Credit Card Review: Airport Lounge Access
| Benefit | Details |
|---|---|
| Domestic Airport Lounge Access | 2 visits per calendar quarter |
| International Airport Lounge Access | 1 visit per calendar quarter (Priority Pass) |
| Spend Requirement for Domestic Lounge Access | ₹50,000 in the previous calendar quarter |
| Spend Requirement for International Lounge Access | None |
The Tata Neu Infinity Credit Card offers complimentary domestic and international airport lounge access. However, domestic lounge access is no longer available by simply presenting the card.
Effective 10 June 2025, you must spend at least ₹50,000 in a calendar quarter to unlock two domestic lounge visits for the following quarter. Instead of direct card access, HDFC Bank issues digital lounge vouchers to eligible cardholders.
The process is straightforward:
- Spend ₹50,000 or more in a calendar quarter.
- Receive an SMS and email with a voucher claim link after the quarter ends.
- Claim your lounge vouchers within 120 days using your registered mobile number.
- Once claimed, each voucher remains valid for 180 days.
- Present the voucher at participating airport lounges for entry.
The card also includes one complimentary international lounge visit per calendar quarter through Priority Pass. At present, there is no spending milestone to qualify for this benefit.
Although the ₹50,000 quarterly spending requirement makes the domestic lounge benefit less accessible than before, it is still a valuable perk for cardholders who regularly meet the spending threshold.
Key Benefits
- Fuel Surcharge Waiver: 1% waiver for transactions between ₹400 and ₹5000. Maximum waiver of ₹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 Credit Card is often compared with cashback credit cards because 1 NeuCoin is worth ₹1 when redeemed across the Tata Neu ecosystem. However, unlike traditional cashback cards, the highest rewards are available only when you shop with Tata partner brands or through the Tata Neu app.
The comparison below shows how the Tata Neu Infinity Credit Card stacks up against other leading cashback credit cards across different spending categories. It can help you determine whether the Tata Neu Infinity is the right choice for your spending habits or if a general cashback card would offer better overall value.
If most of your spending is within the Tata ecosystem, the Tata Neu Infinity Credit Card is one of the most rewarding options available. On the other hand, if you prefer unrestricted cashback across all merchants, a dedicated cashback credit card may be a better fit.
Tata Neu Infinity Credit Card Pros
- Earns 5% NeuCoins on eligible Tata Neu and Tata partner brand purchases.
- Earns 1.5% NeuCoins on most retail transactions.
- RuPay variant earns 1.5% NeuCoins on eligible UPI payments.
- Simple rewards redemption with 1 NeuCoin = ₹1.
- Includes domestic and international airport lounge access.
- First Year Free and Lifetime Free offers are available for eligible customers.
- Excellent value for frequent shoppers across the Tata ecosystem.
Tata Neu Infinity Credit Card Cons
- Highest rewards are limited to Tata brands and the Tata Neu app.
- Domestic airport lounge access requires ₹50,000 quarterly spends.
- Forex markup fee of 2% is not ideal for international spending.
- Monthly reward caps apply to categories such as grocery, utility and UPI spends.
- SmartBuy benefits are less rewarding than premium HDFC Bank credit cards.
- NeuCoins can only be redeemed within the Tata Neu ecosystem.
Final Thoughts
The Tata Neu Infinity Credit Card is one of the few co-branded credit cards that can genuinely replace a cashback card for the right user. Since 1 NeuCoin equals ₹1, the rewards are easy to understand, and if you regularly shop across Tata brands, the value can easily exceed what many traditional cashback cards offer.
The RuPay variant is our preferred choice because it earns 1.5% NeuCoins on eligible UPI transactions. This lets you earn rewards on everyday payments like groceries, dining and local shopping – transactions that would otherwise be made directly from your bank account without any rewards.
That said, this isn’t a card for everyone. If most of your spending is outside the Tata ecosystem, cards like the SBI Cashback Credit Card will generally offer better value for online purchases. However, if you frequently shop at BigBasket, Croma, Tanishq, Westside, Air India or other Tata brands, the Tata Neu Infinity Credit Card is difficult to beat.
The card becomes an even better proposition if you’re eligible for a First Year Free or Lifetime Free offer. Overall, we believe the Tata Neu Infinity Credit Card is an excellent choice for Tata loyalists and one of the best rewards credit cards in India for everyday spending.
Frequently Asked Questions
Is the Tata Neu Infinity Credit Card worth it?
Yes, the Tata Neu Infinity Credit Card is worth considering if you regularly shop across Tata brands such as BigBasket, Croma, Tanishq, Westside, Air India and Tata 1mg. It offers 5% NeuCoins on eligible Tata Neu purchases, rewards on UPI spends, and a simple redemption value of 1 NeuCoin = ₹1.
Is the Tata Neu Infinity Credit Card Lifetime Free?
The card is not Lifetime Free by default. However, HDFC Bank and Tata Neu frequently offer First Year Free and Lifetime Free promotions for eligible customers. Check the latest offer before applying.
Which is better: Tata Neu Infinity or Tata Neu Plus?
The Tata Neu Infinity Credit Card is the better choice if you can meet the eligibility requirements. It offers a higher base reward rate, complimentary international lounge access, and additional premium benefits compared to the Tata Neu Plus Credit Card.
Which network should I choose: Visa or RuPay?
We recommend the RuPay variant because it earns NeuCoins on eligible UPI transactions while offering the same core rewards and benefits as the Visa variant.
How are NeuCoins redeemed?
NeuCoins are automatically transferred to your Tata Neu account after your credit card statement is generated. They can be redeemed across the Tata Neu app and eligible Tata partner brands, with 1 NeuCoin equal to ₹1.
Does the Tata Neu Infinity Credit Card offer airport lounge access?
Yes. The card offers two domestic airport lounge visits per calendar quarter after meeting the required spending milestone and one complimentary international lounge visit per calendar quarter through Priority Pass.
Does the Tata Neu Infinity Credit Card earn rewards on UPI transactions?
Yes. The RuPay variant earns 1.5% NeuCoins on eligible UPI transactions, while eligible UPI payments made through other supported UPI apps earn 0.5% NeuCoins, subject to the card’s terms and reward caps.
What is the annual fee for the Tata Neu Infinity Credit Card?
The card has an annual fee of ₹1,499 + GST. The fee is waived if you spend ₹3 lakh or more in a membership year.
Is the Tata Neu Infinity Credit Card good for international spending?
The card charges a forex markup fee of 2% + GST. While it is suitable for occasional international transactions, frequent travellers may find cards with a lower forex markup more rewarding.
Which cashback card competes with the Tata Neu Infinity Credit Card?
The SBI Cashback Credit Card is its closest competitor. If you mainly shop online across different merchants, SBI Cashback is generally the better option. If a large portion of your spending is within the Tata ecosystem, the Tata Neu Infinity Credit Card offers better overall value.
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.