Tata Neu Infinity HDFC Bank Credit Card – Benefits, Fees & Eligibility

Introduction

The Tata Neu Infinity HDFC Bank Credit Card is a premium co-branded credit card launched by HDFC Bank in collaboration with Tata Neu. Designed for avid shoppers, especially those loyal to Tata brands, this card offers a reward rate of up to 10% in the form of NeuCoins. It comes with an annual fee of ₹1,499, which is offset by equivalent welcome benefits. Beyond shopping, the card provides exclusive privileges including complimentary domestic and international airport lounge access, comprehensive insurance coverage, and the convenience of contactless payments.

Welcome Benefits

• Get 1,499 NeuCoins on the Tata Neu App as a reversal of the first year membership fees.
• To avail this benefit, the first transaction must be done within 30 days of card issuance.
• The NeuCoins will be available to claim inside the Tata Neu App within 60 days of the eligible transaction.
• Eligible customers will have 180 days from the statement date of the eligible transaction to claim the welcome benefit within the Tata Neu App.
• The validity of NeuCoins received as a welcome benefit is 365 days from the claim date.
• Welcome benefits are not applicable for Lifetime Free and First Year Free Cards.

Fees

• Joining Fee: ₹1,499 + Applicable Taxes (e.g., GST). This fee is levied on the 120th day of card issuance.
• Renewal Fee: ₹1,499 + Applicable Taxes (e.g., GST). This fee is levied annually at the start of every anniversary year.
• Spend-Based Waiver (Renewal Fee): The renewal fee is waived off if you spend ₹3,00,000 or more in a year before your Credit Card renewal date.
• Rewards Redemption Fee: Cashback Redemption Charges - ₹50.
• Foreign Currency Markup: 2% on all foreign currency spends.
• Interest Rates (Revolving Credit): 3.75% per month (45.0% per annum).
• Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations across India.
  • Applicable on minimum transactions of ₹400 and maximum transactions of ₹5,000.
  • Maximum waiver of ₹500 per statement cycle.
• Cash Advance Charges: 2.5% of the amount withdrawn or ₹500, whichever is higher.
• Limited Period Life Time Free Offer (1st Oct’24 to 31st Dec’24):
  • Valid for cards applied via Bank’s digital platform and physical applications during the offer period.
  • LTF conversion for eligible customers will be done within 90 days from the card open date.
  • This offer is not applicable for existing customers.
  • Lifetime Free/First Year Free cardholders are not eligible for Welcome Benefits.

Rewards

• NeuCoins Earning Rate:
  • 5% back as NeuCoins on Non-EMI Spends on Tata Neu app/website and partner Tata Brands.
    • An additional 5% back as NeuCoins on selected categories on the Tata Neu App/Website, post downloading Tata Neu App and registering for NeuPass. This totals up to 10% NeuCoins on Tata Neu purchases.
    • W.e.f 15-Jan-25, this additional 5% benefit will be applicable for transactions done only via the Primary Card Holder Mobile Number Account (as per credit card application) on Tata Neu using the Tata Neu HDFC Bank credit card.
    • Partner Tata Brands include AirAsia India, Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, IHCL (Hotel Bookings/Purchases), TATA 1MG, Qmin, Titan, and Tanishq (only via Tata Neu).
    • Currently, Bill Payment (Tata Pay), Tanishq, Cult.fit, Air India, Tata Play spends are not eligible for additional 5% NeuCoins via NeuPass Membership.
  • 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends.
  • UPI Spends:
    • 1.5% back as NeuCoins on UPI spends (including spends on partner Tata Brands), capped at a maximum of 500 NeuCoins per calendar month.
    • W.e.f. 01-Aug-24, earn up to 1.5% back as NeuCoins on eligible UPI spends:
      • Earn 0.50% back as NeuCoins on eligible UPI spends (including spends on partner Tata Brands), posted to your card account by the Bank.
      • Earn an additional 1% back as NeuCoins on any eligible UPI payments by using Tata Neu UPI ID. These additional NeuCoins will be posted directly to your Tata Neu Account.
      • Total NeuCoins earned on all UPI payments will be capped to 500 NeuCoins per calendar month.
• NeuCoins Exclusions and Capping:
  • No NeuCoins are accrued on wallet reloads, fuel purchases, rent, and cash withdrawals.
  • With effect from 1st January 2023:
    • Rental and Government related transactions will not earn NeuCoins. (Prior to 31st Dec 2022, NeuCoins earned on property management services including rent had a maximum capping of 1,000 per month).
    • NeuCoins earned on Grocery transactions will be capped to 2,000 per month.
  • With effect from 1st September 2024:
    • NeuCoins earned on Utility transactions will be capped at 2,000 NeuCoins per calendar month.
    • NeuCoins earned on Telecom & Cable transactions will be capped at 2,000 NeuCoins per calendar month.
  • Education payments made through third-party apps (e.g., CRED, Cheq, MobiKwik) will NOT earn NeuCoins. Education payments made directly through college/school websites or their POS machines will earn NeuCoins.
  • With effect from 1st July 2025:
    • No NeuCoins will be earned on Online Skill-Based Gaming transactions (MCC-5816).
    • NeuCoins accrued for insurance transactions will have a maximum capping of 2,000 per month instead of 2,000 per day.
  • A maximum of 50,000 NeuCoins can be earned in a statement cycle.
  • Fair usage policy applies, with different caps on maximum NeuCoins earnings for different Tata brands (e.g., up to 6 lakhs for Croma purchases for 5% NeuCoins).

Domestic Lounge Access

• Benefit till 9-Jun-2025: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter). A nominal charge of ₹2 (VISA / RuPay) will be levied to the Credit Card for Lounge Access.
• Benefit W.e.f. 10-Jun-2025 (Milestone-based):
  • Domestic Lounge Access will be milestone-based and can be availed as a Lounge Voucher upon spending ₹50,000 or more in a calendar quarter.
  • You can access 2 Complimentary Domestic Lounge Vouchers per calendar quarter (up to 8 per calendar year).
  • Access will be via Lounge Voucher, not direct card swipe.
  • Upon qualification, you will receive SMS and Email. Claim your lounge voucher within 120 days of qualification via the link received.
  • Vouchers can be used in eligible lounges within 180 days of issuance.
  • Spends for qualification are considered only on the current/new card if upgraded, lost, or reissued.
  • Check qualification status via HDFC Bank Netbanking/Mobilebanking app > Credit Card Section > Tata Neu HDFC Bank Credit Card > Redeem Reward Points > MyReward > Spend Promo Details.

International Lounge Access

• For VISA Cardholders:
  • W.e.f 01-Jun-2025, Priority Pass will be issued only upon request. Apply for the Priority Pass Card to enjoy international lounge access.
  • You and your add-on member can together avail up to 4 Complimentary Lounge Access per calendar year (1 per Quarter) outside India.
  • If you exceed the 4 complimentary visits, you will be charged US $27 + GST per visit.
  • All guest visits using Priority Pass would be charged at US $27 + GST per visit per guest.
  • Priority Pass in India will attract charges on your Credit Card.
• For RuPay Cardholders:
  • 4 Complimentary Lounge Access per calendar year (1 per Quarter) outside India.
  • Customers will be charged a transaction fee of $3.25 on their Credit card towards complimentary lounge access, which will be reversed.
  • Visits exceeding the complimentary quota will be allowed at the discretion of the lounge and will also be chargeable by the lounge.

Insurance Benefits

• Accidental air death cover worth ₹1 Crore.
• Emergency overseas hospitalization cover up to ₹15 lakhs.
• Lost Card Liability Cover up to ₹9 lakhs.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver at all fuel stations across India.
• Applicable on minimum transaction of ₹400 & maximum transaction of ₹5,000.
• Maximum waiver of ₹500 per statement cycle.

Rewards Redemption Guide

• NeuCoins Redemption:
  • You can use your NeuCoins for purchases on the Tata Neu App/Website for brands such as:
    • 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)
  • NeuCoins can be redeemed by selecting Tata Pay/NeuCoins/Loyalty Redemption as the payment method.
  • NeuCoins can only be used on eligible transactions as defined by individual brands.
  • 1 NeuCoin = ₹1.
  • NeuCoins are transferred to Tata Neu by the Bank periodically (within 7 working days of the statement generation) and are then available for redemption on the Tata Neu App. Your monthly statement will show NeuCoins accrued and available with the Bank, and NeuCoins transferred to Tata Neu.
• NeuCoins Validity:
  • Starting 01-Aug-25, NeuCoins earned on your Tata Neu HDFC Bank Credit Card will have a validity of 12 months (including the lock period) from the end of the month in which they are 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 (earned before 01-Aug-25) will have their validity set as 31-Jul-26 in your Tata Neu Account. This activity will occur in a phased manner from July’25 to August’25.
    • Promotional NeuCoins/Welcome Benefit NeuCoins will continue to follow the expiry terms communicated at the time of issuance (e.g., Welcome Benefit NeuCoins are valid for 365 days from the claim date).

Card Eligibility Criteria

• For Salaried Indian National:
  • Age: Minimum 21 years & Maximum 60 years.
  • Net Monthly Income: Greater than ₹1 Lakh.
• For Self-Employed Indian National:
  • Age: Minimum 21 years & Maximum 65 years.
  • ITR: Greater than ₹12 Lakhs per annum.

Card Review

The Tata Neu Infinity HDFC Bank Credit Card is an excellent choice for individuals who frequently shop within the Tata ecosystem. It offers an outstanding reward rate, particularly for Tata Neu and partner brand spends, with NeuCoins being easily redeemable across a wide range of Tata brands. The card's complimentary domestic and international airport lounge access at a nominal annual fee adds significant value, making it appealing for travelers. While the NeuCoins have an expiry period and the annual fee waiver requires a substantial spend of ₹3 lakhs, the overall benefits, including insurance coverage and a low foreign currency markup, present a strong value proposition. If the card aligns with your spending habits, especially within Tata brands, it is a recommended option.

Important Product Details

• Welcome bonus of 1,499 NeuCoins, effectively offsetting the joining fee.
• Earn up to 10% NeuCoins on spends on the Tata Neu app.
• Earn 5% NeuCoins on Tata’s partner brands.
• Earn 1.5% NeuCoins on other spends.
• Earn up to 1.5% NeuCoins on UPI spends (capped at 500 NeuCoins per month).
• Complimentary domestic and international lounge access.
• Low foreign currency markup fee of 2%.
• 1% fuel surcharge waiver up to ₹500 per month.
• Renewal fee waiver on achieving annual spends of ₹3 lakhs or more.
• Insurance benefits including ₹1 crore accidental air death cover, ₹15 lakhs emergency overseas hospitalization cover, and up to ₹9 lakhs lost card liability cover.
• NeuCoins earned have a validity of 12 months from the end of the credit month (w.e.f. Aug 1, 2025).
• The minimum spend for the annual fee waiver is ₹3 Lakhs, which can be considered high.
• Various exclusions and caps on NeuCoin earnings for specific transaction categories like rent, government payments, grocery, utility, telecom, and certain third-party education payments.

Other Details

• Zero Lost Card Liability: In the event of losing your Tata Neu Infinity HDFC Bank Credit Card, report it immediately to the 24-hour call centre to have zero liability on any fraudulent transactions made on your card.
• Revolving Credit: Available at a nominal interest rate.
• Contactless Payment: The card is enabled for contactless payments for fast, convenient, and secure transactions at retail outlets.
  • In India, contactless payments are allowed for a maximum of ₹5000 for a single transaction without needing to input your Credit Card PIN.
  • For amounts higher than or equal to ₹5000, the cardholder must enter the Credit Card PIN for security reasons.
• This card is eligible for instant HDFC Bank discount offers.
• You can link this credit card to your UPI app like Google Pay and make payments.