Tata Neu Infinity Credit Card

• • Starting 01-Aug-25, NeuCoins earned on your Tata Neu HDFC Bank Credit Card will have a validity of 12 months (including lock period) from the end of the month in which they're credited to your Tata Neu Account. Example: If NeuCoins are credited on 05-Aug-25, they will be valid until 31-Aug-26. If NeuCoins are credited on 31-Aug-25, they will be valid until 31-Aug-26. Validity of Existing NeuCoins balance: Non-Promotional NeuCoins: The validity of your existing balance of Non-Promotional NeuCoins (earned before 01-Aug-25) will be set as 31-Jul-26 in your Tata Neu Account, this activity will start from Jul'25 and will be completed by Aug'25 in a phased manner. Promotional NeuCoins/Welcome Benefit: NeuCoins earned during special promotions or as Welcome Benefit will continue to follow the expiry terms communicated at the time of issuance.
• • Redemption fee: ₹99

W.e.f 10-Jun-2025, Domestic Lounge Access benefit will be Milestone based and can be availed as a Lounge Voucher on spends of Rs 50,000 or more in a calendar quarter. Please note, you can access 2 Complimentary Domestic Lounge Voucher per calendar quarter (up to 8 per calendar year).

Joining fee

₹1,499/- + Applicable Taxes

Annual / renewal fee

₹1,499/- + Applicable Taxes

Annual fee waiver

Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.

Interest rate

Available at a nominal interest rate on your Tata Neu Infinity HDFC Bank Credit Card. Please refer to Fees and Charges section to know more.

Interest-free period

50 days

Cash advance fee

Transaction fee of 2.5% (Excluding Infinia, Infinia Metal Edition) or ₹500 whichever is higher on ATM withdrawals. Cash withdrawal limit: 40% of credit limit.

Overlimit fee

2.5% of overlimit amount subject to minimum of ₹550. Not applicable for Infinia, Infinia Metal Edition, PhonePe HDFC Bank Ultimo/Uno Credit Card (no overlimit facility).

Payment dishonour

2% of Payment amount subject to minimum of ₹450. Capping of ₹4999 for Infinia & Infinia Metal Credit Card. Applicable for cheque payment return or unsuccessful autopay.

Forex markup

3.5% on all foreign currency transactions

DCC markup

3.50%

Reward redemption

₹99 per redemption

Fuel surcharge

1% waiver, on ₹400–₹5000 txns, max ₹500/cycle

Income (salaried)

Salaried: Income (Monthly) - ₹1,00,000. Self-Employed: Annual ITR > ₹12,00,000

Income (self-employed)

₹12L/year

Age

21–60 years

Card management via MyCards.

• What are the benefits of Tata Neu Infinity Card?