Home / Credit Cards / HDFC Bank Tata Neu Infinity Credit Card

HDFC Bank Tata Neu Infinity Credit Card

3.8/5

Premium Credit Cards

Card Issuer:

Apply Now

Overview

Updated On: August 24, 2026 | AB Published by: Amit B | 4 min read

HDFC Bank's Tata Neu Credit Card is a co-branded credit card of HDFC Bank with Tata Neu App. Through this card, you get attractive valuaback in the form of Tata Neu points on shopping of Tata retails products and retail services. These include some of the popular brands like BigBasket, 1MG, Croma, Westside, Air India, Taj Hotels, Tanishq, Tata CliQ etc. On top of it, it provides lifestyle benefits such as domestic and international airport lounge access.This card is available on both Visa and Rupay network. The RuPay variant provides good valuaback on UPI payment. This card is also a great option for insurance premium payments, utility bills etc.

Pros

Very high value back on Tata Group consumer facing brands
Free Domestic and International Airport Lounge access although with minimum spend condition. But the Lounge Vouchers can be used in next 180 days.
Decent value back on UPI payments
This is among very few credit cards which gives value back on insurance payments.
This cards givens value back on utility bill payment of very high value also (gives 1.5% Neu Coins on Utility Bills upto Rs.1.33 Lacs in a month).

Cons

Valueback is provided in the form of Neu Coins which can only be used on Tata Brands.
Neu Coins on UPI are only applicable if payment is done using Neu App. Neu App is not as fast and smooth as other popular UPI apps.
Minimum spend is required to get the Domestic Airport Lounge Access

Fees & Charges

Joining / Annual Fee ₹ 1,769

Renewal Fee ₹ 1,769

Annual Spend Target for Fee Waiver ₹ 300,000

Minimum Annual Income Required ₹ 1,200,000

Rewards and Benefits

Reward Rate

Base Cashback Rate 1.5%, 5% Cashback on Tata Retail products, 10% Cashback on Tata Retail Products on Tata Neu App (Cashback in the form of Neu Coins usable on Tata Products)

Base Reward Rate

1.5%

Accelerated Reward Rate

10%

Welcome Benefits

1,499 Neu Coins on Tata Neu App (only on payment of Joining Fee) on 1st Transaction done within 30 days of card issuance

Renewal Benefits

No Renewal Benefits

Rewards & Cashback Details

Tata Products and Services: 10% valueback on Tata Brands ((BigBasket, 1mg, Titan, Tanishq, Croma, Tata Cliq, Westside, Tata Play, Cult.fit, Tata Pay, Air India, Taj Group, Qmin) as per following.
- 5% back as NeuCoins on Non-EMI Spends on Tata retail products and services (except Tata Motors and commercial products)
- Additional 5% Neu Coins on spend made on Tata products and services on Tata Neu App as given below (Total 10% Valueback)
  - 5% upto 750 Neu Coins per transaction on BigBasket and Croma
  - Upto 5% Neu Coins on Cult.fit, 1MG, Westside
  - 5% Neu Coins on IHCL brands (Taj hotels and other hotels). Upto 8% for higher Tier members of IHCL
  - 5% Neu Coins on Air India and Air India Expresss (Capped at 175 Neu Coins per Domestic Flight and 500 Neu Coins per International Flight, maximum 5,000 Neu Coins in a year)
Other Spend and EMIs: 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
Utility Bills: 5% Valueback on Utility Bills payment through Tata Neu App. Neu Coins earned on Utility transactions will be capped at 2,000 Neu Coins per calendar month. Neu Coins earned on Telecom & Cable transactions will be capped at 2,000 Neu Coins per calendar month.
Insurance Premium: 1.5% Valueback on Utility Bills payment through Tata Neu App. Neu Coins earned on Utility transactions will be capped at 2,000 Neu Coins per calendar month (Upto Rs.1.33 Lacs payment per month is covered.)
UPI Spend:
- 1.5% Neu Coins on UPI transactions done using Tata Neu App
- 0.5% Neu Coins on UPI Transactions done on any other UPI app.
- Maximum Neu Coins on UPI Spend are limited to 500 Neu Coins per calendar month.
Grocery Spends will be capped at 2,000 Neu Coins per month

Rewards Redemption

This cards gives valueback on eligible spend in the form of Neu Coins. These Neu Coins can be used for payment on Tata Neu app or any retail purchase on Tata Group brands both online and offline. 1 Neu Coin is valued at Rs.1.You can use your NeuCoins for purchases on Tata Neu /Website for Brands like:

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 App)

You can use your NeuCoins by selecting Tata Pay/ NeuCoins /Loyalty Redemption as the payment method. NeuCoins can only be used on eligible transactions as defined by the individual brands.Neu Coins Validity: NeuCoins expire 365 days after your last transaction involving an eligible earn or use of NeuCoins (even if it’s just one NeuCoin earned or used). So, in case any Neu Coin is about to expire, just use Neu Coin for any small transaction. It will increase the validity of Neu Coin for another 365 days..During special promotions, you might also earn additional NeuCoins. The expiry of these NeuCoins will be mentioned at the time of issuance and it might be less than 365 days. So, do not forget to use those promotional Neu Coins before their expiry date.

Additional Benefits

Domestic Airport Lounge

International Airport Lounge

Railway Lounge Access

Movie Benefits

Dining Benefits

Golf Benefits

Lifestyle Benefits Details

Domestic Airport Lounge Access: 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter)
- On spending Rs.50,000 in a quarter, you get 2 Domestic Airport Lounge Access vouchers. You can claim the vouchers within 120 days on receiving the SMS. Once claimed, you get another 180 days to use the voucher to enter any domestic lounge.
International Airport Lounge Access
- Visa card users will get Priority Pass. Using Priority Pass, Primary card holders and Add-on card holders can together avail total up to 4 Complimentary Lounge Access per calendar year (1 per Quarter), outside India.
  - Priority Pass to Visa variant card holder is given for free but only on submitting request for Priority Pass issuance.
- RuPay Card users need to swipe their RuPay card at the lounge. They get 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, same shall be reversed.

Features & Benefits

Reward Points

Airport Lounge

Utility Bills

Insurance

Education

Jewellery

Rewards on EMI

Cashback

Airmiles

NPS

Government Payment

Fuel

Rent

Gift Cards

Wallet Load

No Cashback / Rewards Categories

No reward points on following

Rent
Fuel
Government related payments
Education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will NOT earn NeuCoins. However, education payments made directly through college/school websites or their POS machines will earn NeuCoins.
Wallet loads / Gift or Prepaid Card load/ Voucher purchase
Cash Advances | Payment of Outstanding Balances
Payment of card fees and other charges
No Neu Coins on HDFC Banks's Smart EMI / Dial an EMI transaction. However, you earn regular Neu Coins on spend done through merchant provided EMI (only on principal repayment).
Online Skill-Based Gaming transactions (MCC-5816)

Ratings & Reviews

3.8

Overall Rating

Reward Rate

4/5

Lifestyle Benefits

4/5

Ease of Reward Redemption

4/5

Value For Money

2.8/5

Customer Service

4/5

Detailed Review

HDFC Tata Neu Infinity Credit Card is a good mid-level credit card for people who regularly shop on at least one Tata Group brand such as BigBasket, 1MG, Croma, Westside, Taj Hotel etc. For these Tata Group brands, its gives very high valueback.Its airport lounge program, although requires minimum quarterly spend to get the free lounge access, you don't need to use the lounge access within the same or next quarter. You can accumulate the lounge access for next almost 10 months. Upon qualifying quarter, you get 120 days to claim the Domestic Lounge Access voucher. After claiming, you further get 180 days to use the voucher. So, in a way, it provides you a 300 days window to use the Domestic Airpot Lounge voucher after the end of the quarter in which you made the minimum required spend for Lounge Access. That's a great flexibility which is not provided by other similar lounge programs. is also very attractive as there is no minimum spend condition to get free airport lounge.Another benefit is that the Neu Coins limits on utility bills payment and insurance are very high which are sufficient for almost all retail customers. So, this card can also be considered if you have high utility bills or insurance payments.

Eligibility & Important Info

Eligibility Criteria

Tata Neu Infinity HDFC Bank Credit Card Eligibility:For Salaried Indian national Age: Min 21 years & Max 60 Years Net Monthly Income > Rs 1 LakhFor Self Employed Indian national Age: Min 21 years & Max 65 Years ITR > Rs 12 Lakhs per annum

Important Links

List of Domestic Airport Lounges accessible through Tata Neu Card: Domestic Lounge List
List of International Airport Lounge List for RuPay variant card: Rupay International Lounge
To know more on HDFC Bank's Tata Neu Infinity Credit Card Reward Program, Click Here

Add-on Cards

3 Free Ad-on Cards available for close family members with 18 years and above age (Spouse, Parents, 18+ years old brother and sister, 18+ years old son and daughter)

Media

Best Credit Card for UPI Lifetime Free or First Year Free | HDFC Tata Neu Infinity Card Benefits

Classification

Card Issuer

HDFC Bank

Card Network

RuPay Visa

Card Purpose

Airport Lounges - Domestic Airport Lounges - International EMI Forex Transactions Gold & Jewellery Insurance Offline Spend Online Shopping UPI Transactions Utility Bills

Reward Type