Tata Neu Plus vs Infinity HDFC Bank Credit Card

Are you using Tata Neu and looking for the best option between Tata Neu Plus vs Infinity HDFC Bank credit card? The Tata Neu super app has become quite popular after its launch. It gets access to most of the Tata Group services, has good offers, and lets users earn and redeem NeuCoins. The Tata Neu Plus and Infinity two new co-branded credit cards offer good rewards on the Tata Neu Super app with other benefits. Here is a detailed comparison of Tata Neu Plus vs Infinity HDFC Bank credit cards.

Fees and Charges

	Tata Neu Plus HDFC Bank Credit Card	Tata Neu Infinity HDFC Bank Credit Card
Joining Fee	Rs 499+GST or Zero	Rs 1499+GST or Zero
Welcome Benefit	499 NeuCoins	1499 NeuCoins
Annual Fee	Rs 499+GST or LTF	Rs 1499+GST or LTF
Annual Fee Waiver	Spend Rs 1 Lakh in a membership year	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. 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.

Rewards

Purchase Category	Tata Neu Plus HDFC Bank Credit Card	Tata Neu Infinity HDFC Bank Credit Card
Tata Neu and partner brands	2%	5%
Utility Bill Payments and Recharges with Tata Pay	2%	5%
All other spends (including merchant EMI and UPI)	1%	1.5%
Wallet, Gift Vouchers, Fuel, Rent and Government Transactions	0%	0%

• Partner brands include 1MG, BigBasket, Croma, Air Asia, Tata CLiQ, IHCL, Westside, Qmin, Tata Play, and Cult
• Rewards for Grocery transactions capped at 2000 NeuCoins per calendar month for Infinity variant and 1000 NeuCoins per calendar month for Plus variant
• Rewards for Insurance spending capped at 2000 NeuCoins per day
• Rewards for UPI spends capped at 500 NeuCoins per calendar month

The rewards are good for the Tata Neu Infinity credit card variant when it comes to Tata Neu spending. The Tata Neu Plus variant gets just 2% on partner spending which is not great when we see other entry-level credit cards.

HDFC Bank SmartBuy Offers for Tata Neu Credit Cards

The Tata Neu credit cards do 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 Plus HDFC Bank Credit Card (NeuCoins)	Tata Neu Infinity HDFC Bank Credit Card (NeuCoins)
IGP.com	4%	6%
Flights	1%	1.5%
Hotels	4%	6%
IRCTC	1%	1.5%
RedBus	1%	1.5%
Instant Vouchers	1%	1.5%
Apple Imagine Tresor	1%	1.5%
Flipkart	1%	1.5%

Rewards Redemption

The Tata Neu 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

	Tata Neu Plus HDFC Bank Credit Card	Tata Neu Infinity HDFC Bank Credit Card
Airport Lounge Access in India	1 visit/quarter	2 visits/quarter
Airport Lounge Access outside India	Not Available	1 visit/quarter

• Airport lounge access in India will be with Visa or Rupay based on card variant. The service is provided by DreamFolks.
• Airport lounge access outside India will be with Priority Pass for Visa and directly on the card for Rupay variants.
• 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

Key Benefits

• Fuel Surcharge Waiver: 1% waiver for transactions between Rs 400 and Rs 5000. Maximum waiver of Rs 500 per statement for Infinity and Rs 250 per statement for Plus variant.
• Foreign Currency Markup: 2% for the Infinity variant and 3.5% for the Plus variant

Which is better – Tata Neu Plus vs Infinity?

The Tata Neu Plus variant is somewhat disappointing. Rather than 2% rewards on Tata Neu, we would be better off using other cashback credit cards. Even Amex MRCC and Flipkart Axis Bank credit cards are better choices.

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. So, it is a clear winner between Tata Neu Plus vs Infinity credit cards.

Frequently Asked Questions