Tata Neu Infinity HDFC Bank Credit Card benefits
- 5% back as NeuCoins on Tata Neu and partner Tata brands
- 1.5% back as NeuCoins on other eligible non-UPI spends
- Up to 1.5% on UPI with the RuPay card, capped at 500 NeuCoins a month
- ₹1,499 joining and renewal fee, plus GST
- Renewal fee waived on ₹3,00,000 of yearly spends
- 2% foreign currency markup
Tata Neu Infinity HDFC Bank Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Tata Neu brandsOnly on Tata Neu and partner Tata brands, and not on EMI or UPI. Examples: Croma, Tata CLiQ, Westside, IHCL, Air India, BigBasket, 1mg, Titan and Tanishq. A fair usage policy sets spend limits for each brand. | 5 points per ₹100 | None |
| Everything else | 1.5 points per ₹100 | None |
We value one point at ₹1 in the usual redemption.
No rewards on: Fuel, wallet, gift and prepaid card loads, vouchers, cash advances, rent, government payments, Smart EMI and Dial an EMI, card fees and charges, online skill-based gaming, and education payments made through third-party apps.
All reward rules
- Rewards come as NeuCoins. 1 NeuCoin = ₹1 when used on Tata Neu and eligible Tata brands.
- An additional 5% NeuCoins applies on selected categories on the Tata Neu app or website. You must register for NeuPass and transact with the primary cardholder's mobile number. Bill payments (Tata Pay), Tanishq, Cult.fit, Air India and Tata Play are not eligible.
- UPI spends on the RuPay card earn 0.5% on any UPI ID and an extra 1% with the Tata Neu UPI ID. UPI NeuCoins are capped at 500 in a calendar month.
- Monthly caps of 2,000 NeuCoins each apply to grocery, insurance, utility, and telecom and cable spends.
- Merchant EMI spends earn 1.5%. Only the principal amount earns NeuCoins.
- From 25 November 2026, NeuCoins are no longer credited automatically. The primary cardholder must claim them in the Tata Neu app, with at least 100 NeuCoins per claim, within 12 months of the statement date. Unclaimed NeuCoins expire.
- Claimed NeuCoins stay valid for 12 months from the date they are credited to your Tata Neu account.
- Lounges: 2 domestic lounge vouchers per calendar quarter (up to 8 a year), only if you spend ₹50,000 or more in that quarter. International: 1 visit per quarter (4 a year), with no spend condition stated. On the Visa card you must ask the bank for a Priority Pass.
Tata Neu Infinity HDFC Bank Credit Card annual fee and charges
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
- Fee waiver
- ₹3,00,000 a year
- Foreign currency markup
- 2%
Fees are before GST. The renewal fee is waived if you spend ₹3,00,000 in a year before the renewal date. If a joining fee applies, it is charged on the 120th day after the card is issued. A welcome benefit of 1,499 NeuCoins is given on your first transaction within 30 days of issue. Lifetime free and first year free cards do not get it.
Fuel surcharge: 1% waiver on fuel transactions from ₹400 to ₹5,000. Maximum waiver is ₹500 per statement cycle.
Tata Neu Infinity HDFC Bank Credit Card eligibility
- Age
- 21 to 65
- Salaried income
- ₹12,00,000 a year
- Self-employed income
- ₹12,00,000 a year
Indian nationals. Salaried: age 21 to 60 and monthly income of ₹1,00,000. Self-employed: age 21 to 65 and ITR above ₹12 lakh a year.
The bank alone decides approval and your credit limit.
Tata Neu Infinity HDFC Bank Credit Card lounge access
8 domestic and 4 international visits a year. Banks often set a spend condition, so read the reward rules above.
Frequently asked questions
What is the annual fee of the Tata Neu Infinity HDFC Bank Credit Card?
The joining fee and the renewal fee are both ₹1,499 plus GST. The renewal fee is waived if you spend ₹3,00,000 in a year before your renewal date.
Is the Tata Neu Infinity HDFC Bank Credit Card lifetime free?
No. Under the standard terms it has a ₹1,499 yearly fee. You can avoid the renewal fee by meeting the ₹3,00,000 yearly spend.
What is the eligibility for the Tata Neu Infinity Credit Card?
Salaried applicants must be 21 to 60 years old with monthly income of ₹1,00,000. Self-employed applicants must be 21 to 65 years old with an ITR (income tax return) above ₹12 lakh a year.
Does the Tata Neu Infinity Credit Card give lounge access?
Yes. You get 2 domestic lounge vouchers per calendar quarter, up to 8 a year, if you spend ₹50,000 or more in that quarter. You also get 1 international lounge visit per quarter, up to 4 a year. On the Visa card, ask the bank for a Priority Pass to use this.
What is the NeuCoins limit on the Tata Neu Infinity Credit Card?
UPI spends are capped at 500 NeuCoins in a calendar month. Grocery, insurance, utility, and telecom and cable spends are each capped at 2,000 NeuCoins a month. Tata brand spends follow a fair usage policy with limits for each brand. The bank also sets a limit of 50,000 reward points per statement cycle on categories without a fair usage policy.
How do I get my NeuCoins from the Tata Neu Infinity card?
From 25 November 2026, NeuCoins are not credited automatically. The primary cardholder must claim them in the Tata Neu app. Each claim must be at least 100 NeuCoins. You have 12 months from the statement date to claim. After that, unclaimed NeuCoins expire.
Does the Tata Neu Infinity Credit Card have a fuel surcharge waiver?
Yes. You get a 1% waiver on fuel transactions from ₹400 to ₹5,000, up to ₹500 per statement cycle. Fuel spends earn no NeuCoins.