Tata Neu Infinity HDFC Bank Credit Card

Well, these days choosing a credit card is not just about earning rewards — it’s more about finding a card that matches your daily spending habits. The Tata Neu Infinity HDFC Bank Credit Card is primarily designed for customers who already shop or use Tata brand services.

It was launched through a partnership between Tata Digital and HDFC Bank and is directly connected to the Tata Neu app, where you earn NeuCoins that can be used across different Tata brands. The idea is simple — one card, one rewards system, and easy redemption.

Along with this, you also get higher rewards on Tata purchases, travel perks, and airport lounge access. If you regularly use the Tata ecosystem, this card can be a good option; otherwise, comparing other cards may be a better choice.

Tata Neu Infinity HDFC Bank Credit Card

Joining Fee

₹1,499 + GST

Renewal Fee

₹1,499 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

1,499 NeuCoins on Tata Neu App

Tata Neu Infinity HDFC Bank Credit Card – Fees and Charges

Fee Type	Charges
Joining Fee	₹1,499 + taxes
Annual Fee	₹1,499 + taxes (can be waived on spending milestone)
Add-on Card Fee	Free
Interest Rate	Up to approx. 3.6% per month
Cash Advance Fee	2.5% or ₹500 (whichever is higher)
Foreign Currency Markup	Around 2% – 3.5%
Late Payment Fee	Up to ₹1,300 (based on outstanding amount)
Balance Transfer Fee	1% of transfer amount
Fuel Surcharge	1% (waiver available within limits)
Card Replacement Fee	₹100

Tata Neu Infinity HDFC Bank Credit Card Benefits & Features

Honestly, if you want a credit card that gives real value on your daily spending, the Tata Neu Infinity Credit Card can be a good option. Below, I have outlined all the features and benefits of this card. You can review it to decide whether you want it. and more with the Tata Neu Plus HDFC Bank Credit Card.

Higher Rewards on Tata Brands

If you already shop on platforms like BigBasket, Croma, or Tata CLiQ, this card will be very useful. The more you spend with the Tata Neu app, the greater the reward, making your daily shopping experience feel more rewarding.

Rewards on Everyday Spending

Although you may not use the Tata brands every time, you still receive rewards on regular purchases, such as orders of food, shopping online, or even on your day-to-day payments. It is not the highest reward rate, but much more practical for everyday use.

Travel Perks & Lounge Access

If you travel occasionally, lounge access is an added bonus. Just remember, you need to reach certain spending targets first, so it’s more of a bonus rather than a guaranteed feature.

Rewards on UPI Payments

Since most people use UPI daily, it’s helpful that you can earn rewards on eligible UPI payments too. Even small payments can add up over time.

Fuel Surcharge Waiver & Fee Waiver

You also receive a fuel surcharge waiver, which helps reduce fuel expenses. And if you reach the yearly spending target, the annual fee can be waived, which makes the card more valuable in the long run.

Eligibility Criteria — Tata Neu Infinity HDFC Bank Credit Card

For Salaried People

You must be an Indian resident.
Applicants’ age should be between 21 and 60 years.
Your monthly income should be around ₹1 lakh or more.
A stable job and good credit score help with approval.

Basically, this card targets higher-income salaried professionals.

For Self-Employed People

You must be an Indian resident.
Applicants must be between 21 and 65 years old.
Your annual income (ITR) should be around ₹12 lakh or more.
Business stability and good credit history increase chances.

Pros and Cons

Pros:

Great rewards for frequent use of Tata brands, including BigBasket and Croma.
Earn rewards on UPI payments, which is rare for credit cards.
Comes with airport lounge access.
The annual fee can be waived based on yearly spending.

Cons:

Average rewards outside the Tata ecosystem.
Rewards are issued in NeuCoins, which are primarily usable on Tata platforms.
Lounge access requires a minimum spending.
The reward structure may feel a bit confusing at first.

Tata Neu Infinity HDFC Bank Credit Card Final Verdict

The Tata Neu Infinity HDFC Credit Card is a good choice, but only for people who regularly use Tata brands such as BigBasket, Croma, or Tata, or who shop through the Tata Neu app. It offers strong rewards within the Tata ecosystem and provides rewards for UPI payments, a valuable advantage. The travel perks and fee waiver option also add value if you spend enough annually.

However, outside Tata brands, the reward rate is just average compared to other cards. Also, rewards are issued in NeuCoins, which are primarily usable within Tata platforms, limiting flexibility. The reward structure may feel slightly confusing at first. Overall, it’s great for Tata loyal users, but average for everyone else.

FAQs

Is the Tata Neu Infinity credit card worth buying?

It depends on your spending habits. If you already use Tata brands regularly, you’ll get good value. Otherwise, it may feel like a normal mid-range card.

Where can I use NeuCoins?

NeuCoins can mostly be used within the Tata ecosystem through the Tata Neu app, so they’re not as flexible as direct cashback.

Does the card give rewards on UPI payments?

Yes, UPI transactions can earn rewards, making them useful for daily payments.

Is lounge access included?

Yes, but you typically need to meet specific spending criteria to access this feature.