HDFC BankTata Neu Infinity HDFC Bank Credit Card
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HDFC Bank
Tata Neu Infinity HDFC Bank Credit Card
4.3Best for online shopping
Lounge access
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
- Welcome bonus
- ₹1,499
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- ₹1,00,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Online shopping 5% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands (1 NeuCoin = ₹1). Effective ~5% on Tata ecosystem. | 5% | — | ₹6,000 |
UPI spends 1.5% back as NeuCoins on UPI spends (RuPay variant only), capped at 500 NeuCoins/month. | 1.5% | ₹500 | ₹90 |
Everything else 1.5% back as NeuCoins on non-Tata brand spends and merchant EMI spends (1 NeuCoin = ₹1). | 1.5% | — | ₹1,800 |
| All other spends | 1.5% | — | ₹1,800 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹1,499
Annual fee₹1,499
Annual fee waiverRenewal fee waived on annual spends of ₹3,00,000 or more
Foreign currency markup3.5%
Finance charge (p.a.)45%
Fuel surcharge waiver1%, up to ₹500/mo
Key benefits
- Airport lounge access — 2/quarter domestic, 4/year international (Domestic: up to 8/year (2 per quarter) on spends of ₹50,000+ in the previous calendar quarter. International: 4/year via Priority Pass.)
- 5% NeuCoins on Tata Neu and partner Tata brands
- 1.5% NeuCoins on non-Tata spends and merchant EMI
- 1.5% NeuCoins on UPI spends (RuPay variant, capped 500/mo)
- 8 complimentary domestic + 4 international lounge visits per year
- Low forex on travel; 1% fuel surcharge waiver (max ₹500/cycle)
What we like
- +5% NeuCoins on the Tata ecosystem (BigBasket, Croma, Tata CLiQ, AirAsia/Air India, etc.)
- +1.5% NeuCoins on UPI spends (RuPay variant)
- +Domestic + international lounge access
- +Low ₹1,499 fee with ₹3 lakh spend waiver
What to watch
- −Best value tied to the Tata ecosystem
- −Lounge access gated on ₹50,000 quarterly spend
- −3.5% foreign currency markup
- −Higher income eligibility (₹1 lakh/month salaried)
Compare with similar cards
- Top reward
- 33%
- Annual fee
- ₹12,500
- Welcome bonus
- ₹12,500 value
HDFC BankHDFC Bank Diners Club Black Credit Card
- Top reward
- 33.33%
- Annual fee
- ₹10,000
