Tata Neu Infinity HDFC Bank Credit Card
Earn NeuCoins worth ₹1 each: 5% at Tata brands like BigBasket, Croma, Tata CLiQ, 1mg and Air India, and 1.5% on other spends. Being RuPay, it also works on UPI.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Tata Neu app and partner brands (BigBasket, Croma, Tata CLiQ, 1mg, Air India and more) | 5% as NeuCoins | No cap stated |
| Other spends | 1.5% as NeuCoins | No cap stated |
| Groceries, utility bills, insurance | 1.5% | 2,000 NeuCoins a month each |
| UPI on the Tata Neu UPI ID | 1.5% | 500 NeuCoins a month for all UPI |
| UPI on other apps | 0.5% | Same 500 a month cap |
| Fuel, rent, wallet loads, government, gaming | Nothing | – |
- 1 NeuCoin = ₹1, but you can only spend them within the Tata Neu ecosystem.
- NeuCoins expire 12 months after the month they are earned (from 1 Aug 2025).
- NeuPass can add up to 5% more on some Tata Neu categories.
Benefits
Welcome benefit
- 1,499 NeuCoins on joining (paid after your first spends).
Milestones
- Annual fee waived on ₹3 lakh spend.
Travel and lounges
- 2 domestic lounge visits each quarter you spend ₹50,000 (up to 8 a year).
- 4 international lounge visits a year.
Fuel and forex
- Forex markup 2%.
- 1% fuel surcharge waiver, up to ₹500 a month.
Other perks
- Free NeuPass membership
Fees and charges
| Joining fee | ₹1,499 + GST (₹1,769) |
|---|---|
| Annual fee | ₹1,499 + GST, waived on ₹3 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 2% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried: age 21 to 60, about ₹1 lakh a month
- Self-employed: age 21 to 65, check with HDFC Bank
- A cheaper Tata Neu Plus variant (₹499 + GST) is also available
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Strong 5% on Tata brands, including groceries on BigBasket
- RuPay card works on UPI
- Lounge access in India and abroad
Watch out for
- NeuCoins only work inside Tata Neu
- UPI rewards capped at 500 NeuCoins a month
- Coins now expire after 12 months
Recent changes
- 1 Aug 2025NeuCoins now expire 12 months after they are earned.
- 10 Jun 2025Domestic lounge access changed to spend-based vouchers (2 per quarter on ₹50,000 spend).
- 15 May 2026Currency conversion fee on rupee payments abroad raised to 1.75%.
Frequently asked questions
What is the value of a NeuCoin?
1 NeuCoin = ₹1, usable on the Tata Neu app and partner brands.
Can I use the Tata Neu HDFC card on UPI?
Yes. It is a RuPay card, so you can link it to UPI apps. UPI earns 1.5% on the Tata Neu UPI ID and 0.5% elsewhere, up to 500 NeuCoins a month.
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Sources: CardAdvisor · HDFC Bank. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.