HDFC Bank Tata Neu Infinity Credit Card

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HDFC Bank Tata Neu Infinity Credit Card

(3.8/5)

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Best For: Grocery,Reward Points

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Tata Neu Infinity HDFC Bank Credit Card or HDFC Bank 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, Croma, Westside, Air India, Taj Hotels, Tanishq etc. On top of it, it provide 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 good option for insurance related payments.

Features and Benefits

Features and benefits available in this credit card

Cashback

Reward Points

Airmiles

Airport Lounge

Utility Bills

Insurance

NPS

Education

Government Payment

Fuel

Rent

Giftcards

Jewellery

Wallet Load

Rewards on EMI

Welcome Bonus

Travel

Dining

Shopping

Interest

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.
No Welcome Benefits on First Year Free or Lifetime Free credit cards.

Renewal Benefits

No renewal benefits

Cashback and Rewards

5% back as NeuCoins on Non-EMI Spends on Tata Neu App and partner Tata Brands.
- Additional 5% Neu Coins on spend made on Tata Neu App as given below
  - 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)
1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends
UPI Spens:
- 1.5% Neu Coins on UPI transactions done using Tata Neu App
- O.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.
Neu Coins for Insurance Spends will be capped at 2,000 Neu Coins per day.
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.

Lifestyle Benefits

8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter)
International Lounge Access
- Visa card users can 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.
- RuPau 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.

Fuel Surcharge Waiver

1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of ₹400, Maximum transaction of ₹5,000 & Maximum waiver of ₹500 per statement cycle)

Forex Mark-up Fee

3.5% + GST (4.13% including GST) Forex Mark-up charges on payment done in foreign currency.
1% + GST (1.18% including GST) Dynamic Currency conversion charges on payment done in INR to foreign merchant (both online and offline payments). Avoid making international payments in INR. You end of paying both Forex markup charges which is already included and Dynamic Currency conversion charges.

Reward 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.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)

₹ 1769

Renewal fee
(INR including GST)

₹ 1769

Annual Spend Target
for Renewal Fee Waiver (INR)

₹ 300000

Pros

Aspects that make this credit card amazing.

Very high value back on Tata Group consumer facing brands
Free Domestic and International Airport Lounge access without any minimum spend condition
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

Aspects this credit card lacks.

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.

Spend Categories with No Cashback / Rewards

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)

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)

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 Lakh

For 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

Upcoming Changes

N/A

Rating & Reviews

(3.8/5)

This is the truth, the whole truth, and nothing but the truth; brought to you SpendWisely backed by its expertise and expertise in the area of credit cards

Reward Value

(4)

Lifestyle Benefits

(4)

Ease of Reward Redemption

(4)

Value for Money

(3)

Customer Service

(4)

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 is also very attractive as there is no minimum spend condition to get free airport lounge. 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.

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available