HomeCredit CardsTata Neu Infinity HDFC Bank Credit Card
Tata Neu Infinity HDFC Bank Credit Card

HDFC Bank

Tata Neu Infinity HDFC Bank Credit Card

visainfinitecredittravelshopping

Annual Fee

₹1,499

Base Reward

1.5% NeuCoins

Foreign Markup

2% of the total transaction amount.

4.5/5

Welcome Benefits

1,499 NeuCoins on Tata Neu App

Product Highlights

  • 10% cashback on the Tata Neu app.
  • Low foreign currency markup of 2%.
  • 8 complimentary domestic lounge access every year.

Fee Waiver

The renewal fee is waived off on achieving annual spends of Rs. 3 lakhs or more.

Merchant-Specific Rewards

1 pt ≈ ₹0.25–₹0.50
Tata Neu

Tata Neu

online(50,000 NeuCoins/cycle)

10% NeuCoins
Tata Brand

Tata Brand

online(50,000 NeuCoins/cycle)

5% NeuCoins
UPI

UPI

online(500 NeuCoins/month)

1.5% NeuCoins

Rewards Details

Up to 10% NeuCoins on TataNeu Spends, 5% NeuCoins on Tata Brand Spends and 1.5% NeuCoins on UPI Spends.

Reward Points — Redemption Value
  • 1 NeuCoin = ₹1

Benefits & Features

Domestic: 8 Complimentary Domestic Lounge Access Every Year (2 Each Quarter) (Unlocked upon spending ₹50,000 or more in a quarter.) International: 4 Free Visits for Primary and Add-On Cardholders Each Year (One Per Quarter) (Available for Visa variant only.) Complimentary lounge access on spending ₹50,000 or more in a quarter for domestic lounges. For international lounges, 4 complimentary visits per year for Visa variant; $27 + GST for additional visits.

Pros & Cons

Pros

  • 10% cashback on the Tata Neu app.
  • Low foreign currency markup of 2%.

Cons

  • NeuCoins expire after a period of one year.
  • The minimum spend for the annual fee waiver is at a high price of ₹3 Lakhs.

Additional Info

NeuCoins earned on Grocery transactions will be capped to 2,000 per month for Tata Neu Infinity HDFC Bank Credit card.

NeuCoins earned on Utility transactions will be capped at 2,000 NeuCoins per calendar month.

NeuCoins accrued for insurance transactions will have a maximum capping of 2,000 per month instead of 2,000 per day.

Maximum of 50,000 NeuCoins can be earned in a statement cycle.

Excluded Categories

fuelwalletrentgovernmenteducationemi

Partner Merchants

AirAsia IndiaTata 1mgTata CLiQCromacult.fitBig BasketWestsideIHCL

Fees & Charges

Annual Fee₹1,499
Joining Fee₹1,499 + GST
Fee WaiverThe renewal fee is waived off on achieving annual spends of Rs. 3 lakhs or more.
Foreign Markup2% of the total transaction amount.
Interest Rate3.75% Per Month (45.0% Per Annum)
Cash Advance2.5% of the Amount Withdrawn or ₹500, Whichever is Higher
Redemption Fee₹50

Eligibility

Min Age

21 yrs

Salaried

₹1.0L+

Self-Emp

₹12.0L+

Networks

visarupaymastercard