Our Money Guide

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


Our View :

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.

on HDFC Bank website

Tata Neu Infinity HDFC Bank Credit Card

Special benefits

Upto 10% on popular Tata brands

Other Benefits

Complimentary airport lounge access both in India and abroad

Minimum Income

Not specified

Annual Fee

₹ 1499

Annual Fee Offers

Welcome offer worth ₹1499

Renewal fee waiver at ₹ 3 lakh annual card spend

Pros & Cons

Benefits of using the Tata Neu Infinity HDFC Bank Credit Card

  • 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

Limitations and drawbacks to consider

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

Features & Benefits of Tata Neu Infinity HDFC Bank Credit Card

Upto 10% benefit on Tata brands through 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.

✔︎ Additional 5% benefit on Tata Neu spends, as a Neu Pass member : As a NeuPass member, you earn additional 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu (on select categories). You need to download the Tata Neu App and register for Tata NeuPass.​ 1 NeuCoin = ₹1.

Non-EMI Spends on Tata NeuBasic Benefit of 5%Additional Benefit of 5% /Total Benefit of 10%
(for Tata NeuPass members)
Bill payments YesNo
Jewellery : Tanishq YesNo
Fitness : Cult Fit YesNo
Entertainment : Tata PlayYesNo
Grocery: BigBasketYesYes
Fashion: Titan, Tata CLiQ, Westside, TitanYesYes
Electronics: Croma YesYes
Travel: All brand of Indian Hotels, Air AsiaYesYes
Food delivery & healthcare: Tata 1 mg, Q MinYesYes
*To become a NeuPass member, simply download the Tata Neu App and register for NeuPass.

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

You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets). 

Please click here to see latest list of partner Tata brands, since there maybe changes from time to time.

This benefit is valid only on non-EMI purchases, on EMI spends you earn 1 NeuCoins worth ₹1, on every ₹100 spent.

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.

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.

To check the list of lounges, please visit www.prioritypass.com. 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% fuel surcharge waiver, upto ₹500 per month

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

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

24/7 HDFC customer support

Important Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual 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

Applying & Tracking Your Application Status

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

Apply Now

on HDFC Bank website

Frequently Asked Questions

What is the conversion rate for NeuCoins?

The conversion rate for NeuCoins is 1 NeuCoin = ₹1, offering a straightforward and favourable value for your accumulated rewards.

How can I use the earned rewards on my Tata Neu Infinity Credit Card?

The rewards earned on your Tata Neu Infinity Card, known as NeuCoins, can be used for purchases on Tata Neu and affiliated websites. Simply select Tata Pay/NeuCoins/Loyalty Redemption as the payment method during checkout. You can also redeem your NeuCoins at physical stores. Brand wise redemption process has been covered in the post above.

How long are my NeuCoins valid?

NeuCoins are valid for 365 days.

What is the eligibility for the Tata Neu Infinity HDFC Bank Credit Card?

Eligibility criteria for the Tata Neu Infinity HDFC Credit depends on factors such as income, credit score, and other parameters. You must be between 21 years and 60 years old if you are salaried (maximum 65 years if you are self-employed), have a minimum income of ₹1 lakh per month (if you are salaried) OR ₹12 lakhs per year (if you are self-employed). You should also have a good credit score , preferably above 750. Card approval is at the sole discretion of HDFC Bank.