By: OurMoneyGuide || Last updated on: May 10, 2024

The Tata Neu Infinity HDFC Bank Credit Card is a premium co branded credit cards, issued by HDFC Bank in partnership with the Tata group. Tata Neu is a multipurpose superapp developed by the Tata Group, the app currently houses the company’s various brands across industries.

The Tata Neu Infinity HDFC Bank Credit Card is one of the best co branded credit cards for those who like to shop at various Tata brands such as AirAsia, BigBasket, Croma, Titan, Westside,Tata Cliq, Tata 1mg, Indian Hotels (Taj, Vivanta & Ginger hotels). You can earn upto 10% benefit rate at these brands.

The card also provides other benefits like complimentary airport lounge access both in India and abroad.

Brief Summary

Our Rating

4.0 / 5

Best for those who like shopping & spending at Tata brands – on these you can get upto 10% benefit rate. Since its a premium card you also get lifestyle benefits like free visits to airport lounges both in India and abroad.

Annual fee from 2nd year onwards is waived off at ₹3 lakhs annual card spend. 1st year annual fee is compensated by welcome offer worth ₹1499.

Pros & Cons of Tata Neu Infinity HDFC Bank Credit Card

Pros

  • Good card choice for those who like to shop at various Tata brands.
  • Complimentary airport lounge access both in India and abroad
  • 1.50% rewards on UPI spends, on Rupay variant of the card

Cons

  • Attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to earn rewards

Features & Benefits of the Tata Neu Infinity HDFC Bank Credit Card

10% cashback on various Tata brands on Tata Neu app – 5% on the card || additional 5% as a Tata NeuPass member

✔︎ 5% cashback on the card : You earn 5 NeuCoins worth ₹5, on every ₹100 you spend at Tata Neu. This benefit is valid only on non-EMI spends, on EMI spends you earn basic benefit rate of 1.50 NeuCoins worth ₹1.50, on every ₹100 spent.
✔︎ Additional 5% as a Tata NeuPass member (on select categories) : As a NeuPass member, you earn an additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories)
(1 NeuCoin = ₹1. NeuCoins are shown in your monthly credit card statement, and are transferred to Tata Neu within 7 working days of your card statement date).

To see categories & Tata brands on which additional 5% benefits are available as a NeuPass member, please click here . Some examples:
– Grocery: BigBasket
– Fashion & accessories: Titan, Tata CLiQ, Westside
– Electronics: Croma
– Travel: Taj group of hotels, Air India, Air Asia
– Food delivery & healthcare: Tata 1 mg, Q Min
You need to download the Tata Neu App and register for Tata NeuPass. For details on the Tata NeuPass, please click here.

On below 3 categories, additional 5% benefits (as a NeuPass member) are not available:
Bill payments : Tata Pay
Jewellery : Tanishq
Entertainment : Tata Play
Fitness : Cult Fit

Rewards redemption: You can redeem NeuCoins at various Tata brands , both online and at stores/ hotels (offline).
✔︎ Online redemption
– At AirAsia India, Bigbasket , Croma , IHCL hotels : Via Tata Pay (Step 1. Select ‘Tata Pay’ as payment option on the payments page Step 2. Redeem desired amount of ‘NeuCoins’ on Tata Pay)
– At Tata CLiQ, Tata 1mg, Titan, Westside : Via ‘NeuCoins’ / ‘Use my NeuCoins/Loyalty Redemption’ (Step 1. Select ‘NeuCoins’ / ‘Use my NeuCoins/Loyalty Redemption’ option on order page / payments page. Step 2. Redeem the desired amount of NeuCoins)

✔︎ Offline redemption (at stores and at hotels)
– At Croma, IHCL hotels, Titan, Westside : At the cashiers’ desk. Please follow the below steps :
– Step 1. Share your Tata Neu registered mobile number with the cashier.
– Step 2. The cashier will check the NeuCoins balance in your Tata Neu account
– Step 3. Specify the amount of NeuCoins to be redeemed
– Step 4. The cashier will trigger an OTP to your registered mobile number
– Step 5. Share the OTP with the cashier to redeem your purchase using NeuCoins

NeuCoins have a validity of 365 days. Additional NeuCoins earned during special promotions have specified expiry dates. Detailed terms and conditions can be found here.

5% special benefit on select Tata brands (outside Tata Neu app)

You earn 5 NeuCoins worth ₹5, on every ₹100 you spend at partner Tata brands. Please click here for the list of partner Tata brands.

This is valid only on non-EMI purchases, on EMI spends you earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spent.

Rewards redemption process is the same as explained above.

1.50% basic benefit on all other purchases & merchant EMI purchases

You earn 1.5 NeuCoins worth ₹1.50, on every ₹100 you spend on all other card purchases & merchant EMI purchases

Limits & restrictions
– NeuCoins earning for grocery spends are capped at 2000 NeuCoins per month i.e. on grocery purchases upto ₹1.33 lakhs per month
– NeuCoins earning for insurance spends are capped at 2000 NeuCoins per day i.e. on maximum spends of ₹1.33 lakhs per day

Exceptions : No rewards are given on fuel spends, rental transactions, government-related transactions, wallet loads, gift or prepaid card loads, voucher purchases, cash advances, payment of outstanding balances, payment of card fees and charges.

Rewards redemption process is the same as explained above.

1.50% benefit on UPI spends (on Rupay version of card) – on UPI spends upto ₹33,333 per month

You earn 1.50 NeuCoins worth ₹1.50, on every ₹100 you spend on all UPI transactions.

This benefit is valid on UPI spends upto ₹33,333 per month, since you can earn a maximum of 500 NeuCoins per month.

For more information on UPI spending on RuPay credit cards, please click here. Rewards redemption process is the same as explained above.

Complimentary visits to international airport lounges outside India – 1 time per quarter

This is valid for both Visa as well as Rupay versions of the card.

VISA Card:
– Using Priority Pass, you and your add-on member/s enjoy complimentary airport lounge access outside India – up to 4 per calendar year (maximum 1 per quarter).
– This benefit is only valid for you (the primary card holder) and your add-on cardholder/s.
– To check the list of lounges, please visit www.prioritypass.com.

RuPay:
– You have complimentary airport lounge access outside India – upto 4 times per calendar year (maximum 1 per quarter).
– To view the list of RuPay international lounges and more details, please click here.

Complimentary visits to airport lounges in India – 2 times per quarter

This is valid for both Visa as well as Rupay versions of the card.

You are entitled to 8 complimentary domestic lounge visits per calendar year (maximum 2 in a quarter).

For the list of accessible lounges, and terms & conditions, please click – Domestic Lounges for HDFC Tata Neu Infinity Credit Card.

Complimentary insurance benefits

✔︎ ₹1 crore air accident death cover : In the unfortunate event of the cardholder sustaining any bodily injury resulting in death due to an air accident, this cover provides compensation of ₹1 crore.
✔︎ Emergency overseas hospitalization up to ₹15 lakhs : For international travel outside India, the primary cardholder is eligible for medical expense coverage of up to ₹15 lakhs, in the case of bodily injury or sudden unexpected sickness. It’s important to note that medical expenses incurred due to any pre-existing illness will not be covered under this benefit.
✔︎ Lost card liability cover of up to ₹9 lakhs : If the card is lost, the cardholder is protected with a liability cover of up to ₹9 lakhs, providing security against unauthorised transactions.

1% fuel surcharge waiver

You get a 1% fuel surcharge waiver at all fuel stations only on fuel transactions between ₹400 and ₹5,000. And only on fuel purchases upto ₹50,000 per month, since the maximum waiver is capped at ₹500 per monthly card statement cycle.

Upto 6% cashback on a variety of categories and partners – through HDFC Smartbuy platform

HDFC Smartbuy is a platform which display’s HDFC Bank’s exclusive partnerships, with a variety of partners. You get upto 6% cashback (as NeuCoins) on various categories and at various partners, please see details in the table below.

Cashback is given in the form of NeuCoins. 1 NeuCoin = ₹1. Cashback is given in the form of NeuCoins. 1 NeuCoin = ₹1. NeuCoins will be posted within 90 working days (from the last date of transaction month) into your card account, and will be transferred to the Tata Neu app for redemption within 7 working days of card statement generation.

You can get a a maximum of 1000 NeuCoins per month.


Applicable categories and partners
1.50% cashback on various travel spends, through HDFC Smartbuy
(1.50 NeuCoins worth ₹1.50, on every ₹100 spent)
✓ Flight bookings (via Cleartrip, EaseMyTrip & Goibibo)
✓ IRCTC train tickets
✓ Bus tickets, through RedBus
6% cashback on hotel spends, through HDFC Smartbuy
(6 NeuCoins worth ₹6, on every ₹100 spent)
✓ Hotel bookings via MakeMyTrip
✓ Hotel bookings via Cleartrip
1.50% cashback on gift voucher purchases, through HDFC Smartbuy
(1.50 NeuCoins worth ₹1.50, on every ₹100 spent)
Gift vouchers usually include Amazon Pay, Flipkart, Amazon shopping and more

There maybe individual limits on certain gift vouchers, and/or processing charges on certain gift vouchers, for example Amazon Pay vouchers. To see latest details, and a list of all gift vouchers available, please click here.
Upto 6% cashback at select partners, through HDFC Smartbuy✓ IGP.com – 6% cashback
✓ Apple Imagine | Tresor – 1.50% cashback
✓ Flipkart – 1.50% cashback
Please note that partners listed on HDFC Smartbuy platform could change from time to time. To see latest details of applicable partners, please click here.

Zero lost card liability

In the unfortunate event of losing your HDFC Credit Card, you should report it immediately to the 24-hour call centre. After reporting the loss, you have zero liability for any fraudulent transactions made on your Credit Card.

24/7 HDFC customer support 

Your bank is always available; please click here for all the options to contact the bank.

Tata Neu Infinity HDFC Bank Credit Card Fees and Charges

Annual fee & annual fee offers

Annual fee
Annual fee offers
1st year joining fee₹1499Welcome offer worth ₹1499
– You get 1499 NeuCoins worth ₹1499, on doing your 1st card transaction within 30 days of card issuance.
– You can claim these NeuCoins inside the Tata Neu app within 60 days, and are valid for 365 days after you claim them.
– This benefit is not available if the card is issued lifetime free, or if there is no joining fee
Renewal fee from 2nd year onwards₹1499Renewal fee offer: Annual fee is not charged from the second year onwards, if you spend ₹3 lakhs or more in the previous year.

Hence, the card is virtually free if you spend ₹3 lakhs or more per year.

Late payment fee

Late payment fees depends on the total payment due

Total bill amount dueLate payment charges
Less than ₹100Nil
₹101 to ₹500₹100
₹501 to ₹5,000₹500
₹5,001 to ₹10,000₹600
₹10,001 to ₹25,000₹800
₹25,001 to ₹50,000₹1,100
Over ₹50,000₹1,300

Foreign currency mark-up fee

2% of the transaction amount. This fee is charged when you use your card outside India.

Finance charges

3.49% per month (41.88% per annum)

Important Note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here

Eligibility Criteria

Minimum age21 years
Maximum ageSalaried : 60 years
Self-employed : 65 years
Occupation Salaried, self-employed
Minimum income requirementsSalaried : ₹1 lakh per month
Self-employed : ₹12 lakhs per year (in ITR)
Credit scoreGood credit score, preferably above 750


Application Process

Step-by-step guide

Online application processThe easiest way is to click here – APPLY NOW , you shall be taken to the card application page on the HDFC Bank website. You can also visit official website of the bank and fill out the application form.

Steps :
– The bank’s website and HDFC mobile banking app offer a user-friendly interface that makes the application process quick and easy.
– To apply, simply provide your personal details, such as your mobile phone number, income, and PAN number, along with some of the documents listed below.
– Submit the required documents.
Offline (face to face)  application processYou can visit any of the nearest branches of the bank and talk to an executive regarding the process.
Whatsapp BankingYou can also apply for your card through HDFC Whatsapp Banking. Please follow the below steps :

1. Save the Chat Banking number 7070022222 (HDFC Bank WhatsApp number) in your contacts
2. Send “Hi”
3. Choose the desired option OR simply type your query e.g – “Apply for Credit Card”
4. Apply and wait for further instructions or updates on your card application status.

For details, please click here.
Tracking your application status– Please click here to track the status of your HDFC Bank Credit Card application.
– You can also check the status of your application through Chat with EVA. Simply ask the chatbot to help you track your credit card application and follow its instructions.

Necessary documents

Required documents– PAN card copy
– Identity proof : PAN card , driving license, valid passport, voter ID (any one)
– Address proof : electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one)
– Income proof : latest salary slip/s, income tax return etc

For details, click here.

Conclusion

In conclusion, the Tata Neu Infinity HDFC Bank Credit Card is a great card choice for those who like to shop at various Tata brands such as Air Asia, BigBasket, Croma, Titan, Tata Cliq, Tata 1mg, Westside, Indian Hotels (Taj, Vivanta & Ginger hotels). The card also provides other benefits like complimentary airport lounge access both in India and abroad.

However, these attractive benefits are restricted to only Tata brands, hence it does not give cardholders a wide choice to spend and earn rewards