In a world where everyone wants more value from every rupee, a credit card that gives solid rewards on everyday shopping and payments can make a real difference. The HDFC Tata Neu Infinity credit card steps in to solve that puzzle, especially if you shop often in the Tata ecosystem and use UPI or digital payments frequently. In this HDFC TATA Neu Infinity credit card review, you will learn exactly how much value this card offers, the fees you’ll face, who will benefit most (and who might not), and whether it’s worth applying.
HDFC Tata Neu Infinity Credit Card Review: Quick Overview
Card issuer: HDFC Bank (in partnership with Tata Neu)
Annual fee: ₹1,499 + applicable taxes (waived if you spend ₹3 lakh in a year)
Welcome bonus: 1,499 “NeuCoins” (equivalent to ₹1,499) on first transaction within 30 days of issuance
Best for: Online shoppers, frequent users of Tata brands & UPI payments
| Feature | Details |
|---|---|
| Reward programme | NeuCoins (1 NeuCoin = ₹1) earned on spends |
| Key strengths | Up to 5% back on Tata ecosystem spends; up to 1.5% on other spends |
| Additional perks | Lounge access (domestic + international), insurance cover |
| Fee waiver condition | Spend ₹3 lakhs in the year to waive the annual fee |
HDFC Tata Neu Infinity Credit Card Benefits
Cashback/Rewards
The card uses a reward currency called NeuCoins, which simplifies things: 1 NeuCoin = ₹1.
- On the Tata Neu app/website and select Tata partner brands: ~5% back as NeuCoins.
- On all other (non-Tata) spends: ~1.5% back.
- UPI spends (RuPay variant): up to ~1.5% back (subject to caps) via Tata Neu’s app.
- The reward rates allow stacking with the Tata Neu loyalty programme (NeuPass) for effective higher benefits on Tata ecosystem spends.
Travel benefits (if any)
- Complimentary domestic lounge visits: up to 8 in a calendar year (2 per quarter) for Visa/RuPay versions.
- Complimentary international lounge visits: up to 4 per year (1 per quarter) for the Visa version; the RuPay variant also offers, but with some conditions.
- Fuel surcharge waiver: 1% fuel surcharge waived (on transactions between ₹400-₹5,000) up to a cap.
- Foreign currency mark-up: ~2% plus applicable taxes, which is fairly competitive.
Shopping/Partner offers
- The card shines when you shop within the Tata ecosystem: brands like BigBasket, Tata 1MG, Westside, Croma, Tata CLiQ, etc. You also earn NeuCoins on utility bills paid via Tata Pay.
- Occasional instant discounts or bonus NeuCoins offers via the Tata Neu app and HDFC tied-offers.
EMI/Big spend perks
- There aren’t explicit big-spend milestone rewards beyond fee waiver and lounge access (which has a new milestone condition from June 2025).
- Routine EMI spends or “big purchases” with this card will still earn NeuCoins, but at the standard rate for non-Tata spends. So the benefit is more in everyday ecosystem use than in big special purchases outside it.
HDFC Tata Neu Infinity Credit Card Charges
Annual fee (and waiver conditions): ₹1,499 + GST at issue and on renewal. Waived if you spend ₹3 lakhs or more before renewal.
Interest rate (APR): Approx monthly interest ~3.75% (≈ 45% annually) for revolving credit.
Late fee, forex markup, etc.: Foreign currency markup ~2% on card spends abroad.
Fuel surcharge waiver: 1% fuel surcharge (for transactions ₹400–₹5,000) up to ₹500 per statement cycle.
NeuCoins have validity and certain spend caps per category (e.g., grocery/utility/spends).
Lounge access terms changed: From 10 June 2025, domestic lounge access is via voucher and requires a minimum spend of ₹50,000 in the quarter.
HDFC Tata Neu Infinity Credit Card Review: Pros and Cons
Pros:
- Strong reward rate (especially within the Tata ecosystem)
- UPI spends earn rewards (a relatively rare feature)
- The welcome bonus helps offset the first-year fee
- Lounge access both domestic & international
- Simple redemption: 1 NeuCoin = ₹1, redeemable across many Tata brands
Cons:
- You must be active in the Tata ecosystem to extract full value
- Rewards have category caps and “fair use” conditions (e.g., certain categories exempt)
- The fee is non-trivial unless you spend enough or use enough benefits
- Lounge access rules changed (milestone spend required), which lowers the “free” nature of the benefit for some.
- Non-Tata spends still earn, but at a lower rate, so less beneficial if you don’t diversify into the Tata ecosystem
Who Should Apply for the HDFC Tata Neu Infinity Credit Card?
Best for:
- People who regularly shop with Tata brands (BigBasket, Tata 1MG, Croma, Westside, etc)
- Users who make frequent UPI transactions and can use the RuPay variant effectively
- Professionals or semi-premium spenders who will spend enough (≥ ₹3 lakh/year) to waive the fee or justify the fee via rewards
- Frequent travellers who will utilise lounge access
Not ideal for:
- Casual spenders who don’t use Tata brands or UPI much
- People who only shop outside the Tata ecosystem and won’t benefit from 5% rates
- Those who can’t meet the spend threshold for a fee waiver and won’t utilise the lounge or travel perks
How to Apply for HDFC Tata Neu Infinity Credit Card
Eligibility criteria:
- Salaried: monthly income ≥ ~₹1 lakh (varies)
- Self-employed: annual ITR ≥ ~₹12 lakhs
- Age: generally between 21–65 years for self-employed; 21–60 for salaried (varies)
Documents required:
- ID proof (Aadhaar, PAN)
- Address proof
- Income proof (salary slips, ITR)
- Bank account statements
Link to apply: You can apply via the Tata Neu app or via the HDFC Bank website under “Tata Neu Infinity Credit Card”. (If you have a referral/affiliate link, you may add it.)
HDFC Tata Neu Infinity Credit Card Review: FAQs
HDFC Tata Neu Infinity Credit Card Review: Verdict
The HDFC Tata Neu Infinity Credit Card delivers strong value but only if you tap into the Tata ecosystem, use UPI/channelled spends, and take advantage of the perks. If you consistently shop at Tata brands (BigBasket, Tata 1MG, Croma, etc) and do decent monthly spending, this card can save a meaningful sum each year. If you don’t align with that ecosystem, you might find other cards more flexible.
