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Tata Neu Infinity HDFC Bank Credit Card

Maximum NeuCoins on the entire Tata ecosystem — from groceries to travel

Co-brandedNeuCoinsTata BrandsUPI RuPay
Apply Now — Official HDFC Site ↗
Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Reward Rate
10% NeuCoins on Tata Neu; 5% on Tata Brands; 1.5% others + UPI
Lounge Access
2 domestic per quarter (8/year) on spend gate
Forex Markup
3.5%
Fuel Waiver
1%
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Key Features & Benefits
  • 10% NeuCoins on Tata Neu app spends (non-EMI)
  • 5% NeuCoins on Tata Brands — BigBasket, Croma, Titan, Tata Cliq, Air India, IHCL
  • 1.5% NeuCoins on other eligible spends
  • 1.5% NeuCoins on UPI transactions (RuPay variant)
  • Additional 5% NeuCoins when using Tata Neu UPI ID (RuPay variant)
  • 2 complimentary domestic lounge visits per quarter (spend-gated)
  • Complimentary Tata NeuPass membership
  • 1% fuel surcharge waiver
  • Annual fee waiver on ₹3L annual spend
  • NeuCoins redeemable for flights (Air India), hotels (IHCL), Croma, BigBasket, Tata Cliq
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Welcome & Joining Benefits
  • 499 NeuCoins on joining fee payment
  • Welcome NeuCoins credited on first transaction
Milestone Benefits
  • ₹3L annual spend → Annual fee waiver
Pros & Cons

✓ Advantages

  • 10% on Tata Neu app — covers BigBasket delivery, Tata Cliq shopping
  • 5% on Air India tickets — good for domestic flyers
  • RuPay variant enables UPI payments with NeuCoins earning
  • Wide Tata ecosystem — grocery, electronics, fashion, hotels, flights
  • Very low ₹499 fee easily waived

✗ Disadvantages

  • NeuCoins only redeemable within Tata ecosystem
  • 3.5% forex markup
  • Best only for Tata brand loyalists
  • Lounge access spend-gated
Frequently Asked Questions
What is NeuPass and do I need it?
Tata NeuPass is the loyalty program that makes NeuCoins fungible across Tata brands. You earn 5% extra NeuCoins on the Tata Neu app or website when registered. It's free to join and recommended for all Tata Neu cardholders.
Can I use NeuCoins to book flights?
Yes — NeuCoins can be redeemed for Air India flights, IHCL hotels, BigBasket, Croma, Titan, Tata Cliq, and more via the Tata Neu app. 1 NeuCoin = ₹1 in redemption value.
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