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The Tata Neu Infinity HDFC Bank Credit Card is one of the 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, this is not low but given the various brands on which you could earn special benefits, this is possible to achieve for frequent shoppers of Tata brands. 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

Tata Neu Infinity HDFC Bank Credit Card : Summary Table

Upto 10% special benefit on Tata Neu App5% benefit on Tata Neu spends : You earn 5 NeuCoins worth ₹5, on every ₹100 you spend on Tata Neu. This is valid only on non-EMI spends on Tata Neu. 

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.​ For details on the Tata NeuPass, please click here.
■ To see categories & Tata brands on which these additional benefits are available, 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

Hence you could earn upto 10 NeuCoins worth ₹10, on every ₹100 you spend on Tata Neu – on select categories as shown above.

On below 3 categories, you can earn a maximum benefit of 5% on Tata Neu, even as a Neu Pass member :
Bill payments : Tata Pay
Jewellery : Tanishq
Entertainment : Tata Play
Fitness : Cult Fit
5% special  benefit on select Tata brandsYou earn 5 NeuCoins worth ₹5, on every ₹100 you spend on partner Tata brands (if you spend directly online/offline at these outlets). This is valid only on non-EMI purchases only.

Please click here for the list of partner Tata brands.
1.50% basic benefit on all other purchasesYou earn 1.5 NeuCoins worth ₹1.50 , on every ₹100 you spend on all other purchases.

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.
1.50% benefit on UPI spends (on Rupay card version)You earn 1.5 NeuCoins worth ₹1.50 , on every ₹100 you spend on UPI payments – capped at a maximum of 500 NeuCoins per calendar month (i.e. on maximum ₹33,330 spend per month) . For more information on UPI spending on RuPay credit cards, please click here.
Complimentary visits to airport lounges outside India – 1 time per quarterFor the Visa variant of the Card, this program is brought to you by Priority Pass. For list of available lounges, please click here – Priority Pass Lounge Details

For Rupay variant of the card, please click here for a list of available lounges and other important terms and conditions
Complimentary visits to airport lounges in India – upto 2 times per quarterThis is applicable for both Visa and Rupay variants of the Card.  For latest list of lounges and all terms and conditions, please click here – Domestic Lounges for HDFC Tata Neu Infinity Credit Card
1% fuel surcharge waiverYou get a 1% fuel surcharge waiver , at all fuel stations across India – on fuel purchases between ₹400 and ₹5,000, AND on upto ₹50,000 of fuel purchases per month (since the waiver amount is capped at  ₹500 per monthly card statement cycle).
Complimentary insurance benefits– Accidental air death cover worth ₹1 Crore,
– Emergency overseas hospitalisation coverage of up to ₹15 lakhs
– Lost card liability cover of up to ₹9 lakhs
₹1499 annual feeAnnual fee offers – 
Welcome offer : You get 1499 NeuCoins worth ₹1499 , on doing your 1st card transaction within 30 days of card issuance.
Renewal fee offer : Annual credit card fees is not charged from the second year onwards , if you spend ₹3 lakhs or more in the previous year.
Minimum income requirementsSalaried : ₹1 lakh per month
Self-employed : ₹12 lakhs per year (in ITR)

Pros & Cons

Benefits of using the Tata Neu Infinity HDFC Bank Credit Card

  • Very 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 even 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 spend and earn rewards

Full Review of the Tata Neu Infinity HDFC Bank Credit Card

Features & Benefits of Tata Neu Infinity HDFC Bank Credit Card

10% special cashback on Tata Neu app

➤ Earning special rewards :
1. You earn 5 NeuCoins , on every ₹100 you spend on Tata Neu = ₹5 on every ₹100 you spend on Tata Neu (since 1 NeuCoin = ₹1). This 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 spend).
NeuCoins are reflected in your monthly credit card statement, and are transferred to Tata Neu within 7 working days of your card statement date.
2. As a NeuPass member, you earn an additional 5 NeuCoins , on every ₹100 you spend on Tata Neu (on select categories) = ₹5 on every ₹100 you spend on select categories (since 1 NeuCoin = ₹1). Please click here to see details.

➤ Redeeming rewards points : NeuCoins can be redeemed at various Tata brands , both online and at stores/ hotels (offline).

Online
– 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)
– 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 (at stores and at hotels)
– 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

➤ Limits on special benefits : There are no monthly caps or limits on earning Neucoins

➤ Other important information : 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

➤ Earning rewards : You earn 5 NeuCoins , on every ₹100 you spend on partner Tata brands = ₹5 on every ₹100 you spend on partner Tata brands (since 1 NeuCoin = ₹1). This is valid only on non-EMI purchases (on EMI spends you earn 1.50 NeuCoins worth ₹1.50 , on every ₹100 you spend). Please click here for the list of partner Tata brands.

➤ Redeeming rewards & other important information : Same as explained in the above section.

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

➤ Earning rewards : You earn 1.5 NeuCoins , on every ₹100 you spend on all other purchases & merchant EMI purchases = ₹1.50 on every ₹100 you spend in this category  (since 1 NeuCoin = ₹1).
No NeuCoins are earned on fuel spends, wallet loads, gift or prepaid card loads, voucher purchases, cash advances, payment of outstanding balances, payment of card fees and charges, rental transactions, government-related transactions.

➤ Limits on special benefits :
– NeuCoins earning for grocery spends are capped at 2,000 NeuCoins per month i.e. on maximum purchases of ₹1,33,333 per month
– NeuCoins earning for insurance spends are capped at 2,000 NeuCoins per day i.e. on maximum spends of ₹1,33,333 per day

➤ Redeeming reward points & other important information : Same as explained in the above section.

1.50% benefit on UPI spends – on Rupay version of the Tata Neu card

➤ Earning rewards : You earn 1.5 Tata NeuCoins , on every ₹100 you spend on all UPI spends = ₹1.50 on every ₹100 you spend in this category (since 1 NeuCoin = ₹1).

➤ Limits on special benefits : NeuCoin earning on UPI spends is capped at 500 NeuCoins per month i.e. on maximum spends of ₹33,333 per monthly card statement cycle.

➤ Redeeming reward points & other important information : Same as explained in the above section.

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.
– If any guests are accompanying you, they are charged US $27 per visit per guest. If you exceed the complimentary visits (4 per quarter), you will also be charged US $27 per visit.
– 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).
– A transaction fee of US$ 3.25 will be charged to your credit card for each complimentary lounge visit (to verify the card), which will be reversed.
– To view the list of RuPay international lounges, please click here.

Complimentary visits to airport lounges in India – upto 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 each lounge visit, a token charge of ₹2 will be levied on your credit card.
– For the list of accessible lounges, and terms & conditions, please click  here.

Other Cardholder Benefits

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 waiverYou get a 1% fuel surcharge waiver at all fuel stations across India –
– only on fuel transactions between ₹400 and ₹5,000 AND
– only on upto ₹50,000 fuel spend per month since the maximum waiver is capped at ₹500 per monthly card statement cycle.
– on monthly fuel spends beyond ₹50,000, your maximum waiver amount remains capped at ₹250, hence your fuel surcharge waiver% will fall below 1%
24/7 customer supportYour bank is always available; please click here for all the options to contact the bank.
Security featuresChip and PIN technology – security for offline transactions
In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data.
However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security.
Only you know your PIN, so even if your card is lost, it is unlikely to be misused since BOTH the physical card and the PIN must be spent on the card.

Two-factor authentication – security for online transactions
When making an online transaction, you approve your online transaction by using a One-time Password (OTP) you get on your mobile phone.
Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone.
This ensures a safe online purchase experience.

SMS alerts and notifications – for both offline and online transactions
For your peace of mind, you get free SMS alerts and notifications for all your credit card transactions.
Hence you will know about all transactions on your card. In the unlikely scenario of misusing your card, you would still get these alerts and notifications – which will help you immediately block your credit card.
Contactless payments– Look for the contactless network symbol on your card to determine if your credit card is contactless.
– In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without requiring a Credit Card PIN. For transactions equal to or higher than ₹5000, the cardholder must input their Credit Card PIN for security reasons.
Zero lost card liabilityIn case of the unfortunate circumstance of misplacing your HDFC Bank Credit Card, you can rest assured that your liability for any fraudulent transactions made on the card gets completely eliminated. You will be protected from any unauthorised charges by promptly reporting the loss to HDFC’s 24-hour call centre.

Important Card Fees and Charges

Annual fee & annual fee offers

Annual feeAnnual fee offers
1st year joining fee₹1,499Welcome 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.
Renewal fee from 2nd year onwards₹1,499Renewal 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 ₹3,00,000 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.
Approval timeline and tracking your application statusIn most cases, the credit card decision would be communicated maximum within 21 working days. In certain cases, it could take longer, especially if the bank wants more information and documents from you.

– 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.

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