HDFC Bank
Tata Neu Infinity HDFC Bank Credit Card
Annual Fee
₹1,769₹1,499 + GSTBase Reward
1.5% NeuCoins
Foreign Markup
2% of the total transaction amount.
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
BigBasket
5% on Tata Neu partner brands
Croma
5% on Tata Neu partner brands
Tanishq
5% on Tata Neu partner brands
Westside
5% on Tata Neu partner brands
Tata CLiQ
5% on Tata Neu partner brands
Cult.fit
5% on Tata Neu partner brands
Air India
5% on Tata Neu partner brands
Tata 1mg
5% on Tata Neu partner brands
Starbucks
5% on Tata Neu partner brands
Reward Calculator
Earns ₹1,831/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
3.6K
Tata NeuCoins
₹3.6K
via standard
Effective rate
2.31%
Annual fee
₹1,769
Year 1 net
+₹3,330
incl. welcome
Year 2+ net
+₹1,831
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Dynamic Currency Conversion (DCC) markup
2%Charged when a foreign merchant offers to bill you in INR — always decline DCC
Excluded from rewards
fuel, wallet, cash advance, outstanding balance, rent, government, education, skill gaming
Fuel surcharge waiver (good news)
1%on ₹400–₹5,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Up to 10% NeuCoins on TataNeu Spends, 5% NeuCoins on Tata Brand Spends and 1.5% NeuCoins on UPI Spends.
- 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
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Salaried
₹1.0L+
Self-Emp
₹12.0L+
Networks
Fee Waiver
The renewal fee is waived off on achieving annual spends of Rs. 3 lakhs or more.