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HDFC Bank
Tata Neu Infinity HDFC Bank Credit Card
- Joining fee incl. GST
- ₹1,769
- Renewal fee incl. GST
- ₹1,769
- Conditional welcome value
- Up to ₹1,499
- Forex markup
- 2%
- Interest p.a.
- 45%
- Min income (salaried)
- ₹1,00,000/mo
Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. First qualifying transaction within 30 days, payment of applicable joining fee and claim in Tata Neu within the stated 60-day window. Not assumed for fee-free offers.
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- The HDFC overall 50,000-point ceiling applies only to categories without their own fair-usage cap; that mixed ceiling, transaction dates and NeuPass bonus rules are not fully modelled.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Online shopping Only the qualifying merchants or payment route below 5% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands (1 NeuCoin = ₹1). A further 5% is available on selected categories bought on the Tata Neu app or website after registering for NeuPass; since 15 January 2025 that top-up applies only to transactions made from the primary cardholder's registered mobile number, and Tata Pay bill payments, Tanishq, Cult.fit, Air India and Tata Play are excluded from it. | 5% | Unverified |
UPI spends Only the qualifying merchants or payment route below Up to 1.5% back as NeuCoins on eligible UPI spends, in two parts: 0.5% posted by HDFC Bank to the card account, plus 1% posted to the Tata Neu account but only when the payment is made using the Tata Neu UPI ID. Total UPI earning is capped at 500 NeuCoins per calendar month. Monthly cap shown as the spend at which it binds: 500 NeuCoins at ₹1 each ÷ 1.5% ≈ ₹33,333 of UPI spend. | 1.5% | ₹500 shared reward / month |
Other eligible purchases 1.5% back as NeuCoins on non-Tata brand spends and merchant EMI spends (1 NeuCoin = ₹1). Several sub-categories carry their own ceiling of 2,000 NeuCoins per calendar month: groceries, utilities, telecom and cable, and insurance (insurance was previously 2,000 a day). No NeuCoins accrue on fuel, wallet loads, rent, government spends or online skill-based gaming (MCC 5816), and education paid through third-party apps earns nothing while payments made directly to a school or college do earn. | 1.5% | Unverified |
Groceries Ordinary eligible transactions; capped at 2,000 NeuCoins per calendar month. | 1.5% | ₹1,33,333 spend / month |
Utilities & bills Ordinary eligible transactions; capped at 2,000 NeuCoins per calendar month. | 1.5% | ₹1,33,333 spend / month |
Insurance Ordinary eligible transactions; capped at 2,000 NeuCoins per calendar month. | 1.5% | ₹1,33,333 spend / month |
UPI spends 0.5% on eligible RuPay credit-card UPI merchant payments using any UPI ID; 500 NeuCoins total monthly cap. The extra 1% requires Tata Neu UPI ID. | 0.5% | ₹500 shared reward / month |
Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
Key benefits
- Airport lounge access — 2/quarter domestic, 4/year international (Domestic: since 10 June 2025 the benefit is a voucher, not automatic entry — spend ₹50,000 or more within a calendar quarter to qualify for 2 domestic lounge vouchers for that quarter (up to 8 a year), claim within 120 days of receiving the qualification message and use within 180 days of issue. International: 4 visits a calendar year (1 a quarter) on Priority Pass, which since 1 June 2025 is issued only on request; beyond the allowance, USD 27 + GST a visit.)
- 5% NeuCoins on Tata Neu and partner Tata brands, plus 5% more on selected Tata Neu app categories with NeuPass
- 1.5% NeuCoins on non-Tata spends and merchant EMI
- Up to 1.5% NeuCoins on UPI spends, capped at 500 NeuCoins a month
- Up to 8 domestic lounge vouchers a year, earned by spending ₹50,000 in a calendar quarter
- 4 international lounge visits a year on Priority Pass, issued on request
- 1% fuel surcharge waiver (₹400–₹5,000, max ₹500 per statement cycle)
- Air accident cover ₹1 crore, emergency overseas hospitalisation up to ₹15 lakh, lost card liability up to ₹9 lakh
- Dynamic currency conversion markup of 1.75% from 15 May 2026 on transactions billed in rupees at an international location, or at India-based merchants registered overseas. It is charged alongside the 2% foreign currency markup, not instead of it, and HDFC clubs both into one statement entry.
What we like
- +5% NeuCoins on the Tata ecosystem (BigBasket, Croma, Tata CLiQ, AirAsia/Air India, etc.)
- +Up to 1.5% NeuCoins with Tata Neu UPI ID, capped at 500/month
- +Domestic + international lounge access
- +Low ₹1,499 fee with ₹3 lakh spend waiver
What to watch
- −Best value tied to the Tata ecosystem
- −Domestic lounge access is a voucher you have to earn with ₹50,000 of quarterly spend, then claim
- −Groceries, utilities, telecom and insurance each cap at 2,000 NeuCoins a month
- −Higher income eligibility (₹1 lakh/month salaried)
Tata Neu Infinity HDFC Bank Credit Card head-to-head
The matchups this card is most often weighed against, each settled on net annual value computed for three real spending patterns.
All head-to-head matchups →Compare with similar cards
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