Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank
Annual Fee
₹1,499
Joining Fee
₹1,499 + GST
Base Reward
1.5% NeuCoins
Foreign Markup
2% of the total transaction amount.
Fee Waiver
The renewal fee is waived off on achieving annual spends of Rs. 3 lakhs or more.
Interest Rate
3.75% Per Month (45.0% Per Annum)
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.
Rewards
Up to 10% NeuCoins on TataNeu Spends, 5% NeuCoins on Tata Brand Spends and 1.5% NeuCoins on UPI Spends.
Redemption
1 NeuCoin = ₹1
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Tata Neu | 10% NeuCoins(50,000 NeuCoins/cycle) | online |
| Tata Brand | 5% NeuCoins(50,000 NeuCoins/cycle) | online |
| UPI | 1.5% NeuCoins(500 NeuCoins/month) | online |
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.
Fees & Charges
Eligibility
Min Age
21 years
Max Age
60 years
Min Income (Salaried)
₹1,00,000
Min Income (Self-Employed)
₹12,00,000
Available Networks
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