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Tata Neu Infinity Credit Card credit card
LifestylePremiumVisaRuPay✦ Tata Neu

Tata Neu Infinity Credit Card

Premium lifestyle rewards without annual fees

Annual fee₹1,499Waived on ₹3.0L spend
Rewards1.5% back as NeuCoins on other Non-UPI spends
Forex markup3.5%3.5% on all foreign currency transactions
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Independent comparison platform. Not affiliated with HDFC Bank. Full disclaimer

Welcome benefits

worth ₹1,499

Get 1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees)

Type
Neucoins
Trigger
within 30 days
Partner
Tata Neu
Validity
365 days

Rewards

Base earn rate

1.5% back as NeuCoins on other Non-UPI spends

NeuCoins

Excludes: Fuel, Wallet, Rental, Government, Online-Gaming

Redemption options

Tata neu purchases:Use NeuCoins for purchases on Tata Neu App/Website for Brands like Air India Express, Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, Titan and Tanishq (only via Tata Neu)
  • • 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

Milestone benefits

  • 2 Complimentary Domestic Lounge Voucher per calendar quarter on spends of ₹50,000

Lounge access

Domestic

8visits / year

  • Max 2 per quarter
  • Requires ₹50,000 prior spend
VisaRuPay
HDFC SmartBuy Lounge Program lounge programme →

International

Priority Pass

4complimentary visits

  • Membership value USD 27

Fees & charges

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

Late payment

Outstanding amountLate fee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹1,000₹500
₹1,001 – ₹5,000₹600
₹5,001 – ₹10,000₹750
₹10,001 – ₹25,000₹900
₹25,001 – ₹50,000₹1,100
Above ₹50,001₹1,300

Insurance covers

Air accident

₹100L

Accidental air death cover worth ₹1 Crore

Lost card liability

₹9L

Medical emergency

₹15L

Eligibility

Income (salaried)
Salaried: Income (Monthly) - ₹1,00,000. Self-Employed: Annual ITR > ₹12,00,000
Income (self-employed)
₹12L/year
Age
21–60 years

Employment types

SalariedSelf-Employed

Features

✓ Contactless✓ Chip & PIN✓ UPI linkage✓ International usage

Additional features

  • Interest-free Credit Period: Get up to 50 days of interest-free Credit from the date of purchase. (subject to submission of the charge by the Merchant)
  • Smart EMI: Option to convert big spends into EMI after purchase available on Tata Neu Plus HDFC Bank Credit Card
  • Zero Cost Card Liability: Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank's 24-hour Call Centre
  • Contactless Payment: Tata Neu Infinity HDFC Bank Credit Card is enabled for Contactless Payments at retail outlets

No rewards on

Fuel · Wallet · Rental · Government · Online-Gaming

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