Tata Neu Infinity HDFC Bank Credit Card
A Tata Neu card paying NeuCoins: 5% at Tata Neu and partner Tata brands, 1.5% elsewhere, and on the RuPay variant 0.5% on UPI (1.5% through the Tata Neu UPI ID), up to 500 NeuCoins a month on UPI; ₹1,499 fee waived on ₹3 lakh of spend. Every figure below is copied from HDFC Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: foreign-currency markup. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹1,499 plus GST Fee schedule |
|---|---|
| Annual fee | ₹1,499 plus GST Fee schedule |
| Annual fee waiver | On ₹3,00,000 of spend in the year Fee schedule |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | Not on record |
| The joining fee, if applicable, is levied on the 120th day after issuance. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| Tata Neu and partner Tata brands (non-EMI) | 5% cashback Product page | no cap on record |
| UPI on the RuPay variant (0.5%; 1.5% through the Tata Neu UPI ID) | 0.5% cashback Product page | up to ₹500 a month Product page |
| Grocery | 1.5% cashback Product page | up to ₹2,000 a month Product page |
| Utility bills | 1.5% cashback Product page | up to ₹2,000 a month Product page |
| Insurance | 1.5% cashback Product page | up to ₹2,000 a month Product page |
| Other spends (non-Tata brands) | 1.5% cashback Product page | no cap on record |
Paid as NeuCoins (1 NeuCoin = ₹1) usable on Tata Neu and partner Tata brands; they lapse 12 months after the month they are credited.
NeuCoins accrue on multiples of ₹100 per the MITC; the extra 1% on UPI through the Tata Neu UPI ID is posted by Tata Neu to the NeuPass account and is not modelled.
No rewards on
- Fuel, wallet loads, rent, government payments and online gaming Product page
- Education fees paid through third-party apps Product page
Benefits
- Lounges: 2 domestic lounge vouchers a quarter (up to 8 a year) — ₹50,000 of spend in the calendar quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹400 to ₹5,000, up to ₹500 a statement cycle Product page
- Welcome: 1,499 NeuCoins on the first transaction within 30 days (cards with the joining fee only) Product page
Also on this card
Quoted from HDFC Bank; not counted in the net value.
- Extra 5% NeuCoins on selected categories on Tata Neu with NeuPass Product page
- 4 international lounge visits a year (1 a quarter) Product page
- Extra 1% NeuCoins on UPI payments through the Tata Neu UPI ID Product page
- Accidental air death cover of ₹1 crore Product page
Eligibility
- Age 21 or above Product page
- Salaried: age 60 or below Product page
- Self-employed: age 65 or below Product page
- Indian nationality Product page
- Salaried: monthly income of ₹1 lakh Product page
- Self-employed: income tax return above ₹12 lakh a year Product page
Where HDFC Bank’s documents differ, and what is used
- Fuel waiver cap: the product page, the card terms (3 Jan 2026) and the MITC table give ₹500 a statement cycle; a fees-page FAQ says ₹250. ₹500 is used.
Documents that disagree
- Foreign-currency markup: the card's fees page states both 2% ("dynamic currency conversion markup fee ... on all foreign currency transactions") and 3.5% ("foreign currency transaction fee"); the MITC fee table does not tie a figure to this card in quotable text, so no markup is recorded.
Disputed figures are not used as if they were certain.
The quotes behind the figures
38 figures, each copied from an official HDFC Bank document.
Show every quote and source
“Joining Fee: ₹1,499 plus Applicable Taxes”
“Renewal Fee: ₹1,499 plus Applicable Taxes”
“Fee Waiver: Spend ₹3 lakh or more in a year before the renewal date to get the renewal fee waived.”
“5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands.”
“5% back as NeuCoins (Non-EMI) will be calculated as 1.5% base NeuCoins + 3.5% additional NeuCoins on partner”
“- Earn 0.50% back as NeuCoins on eligible UPI spends (including spends on partner Tata Brands), this will be posted to your card account by the Bank”
“- Total NeuCoins earned on all UPI payments will be capped to 500 NeuCoins per calendar month”
“- Earn additional 1% back as NeuCoins on any eligible UPI payments by using Tata Neu UPI ID.”
“1.5% back as NeuCoins on eligible Non-Tata Brand Spends and any Merchant EMI Spends”
“1. NeuCoins earned on Grocery transactions will be capped to 2,000 per month for Tata Neu Infinity HDFC Bank Credit card.”
“1. NeuCoins earned on Utility transactions will be capped at 2,000 NeuCoins per calendar month.”
“2. NeuCoins earned on Telecom & Cable transactions will be capped at 2,000 NeuCoins per calendar month.”
“2. NeuCoins accrued for insurance transactions will have a maximum capping 2,000 per month instead of 2,000 per day.”
“Unless otherwise notified by Tata Neu, each NeuCoin may be utilized to avail a Benefit equivalent to 1 on Tata Neu Rewards Program-Eligible Purchases.”
“NeuCoins will not be accrued for Fuel, Wallet, Rental, Government and Online Gaming related transactions.”
“3. Education payments made through third-party apps like (but not limited to) CRED, Cheq, MobiKwik, and others will NOT earn NeuCoins.”
“Membership fee/ Renewal fee of Rs 1,499 + Applicable Taxes is applicable on Tata Neu Infinity HDFC Bank Credit Card.”
“The dynamic currency conversion markup fee for the Tata Neu Infinity HDFC Bank Credit Card is 2% on all foreign currency transactions.”
“The foreign currency transaction fee for the Tata Neu Infinity HDFC Bank Credit Card is 3.5% of the transaction value.”
“NeuCoins can be utilized at the rate of 1 NeuCoin = 1, as following:-”
“For BizFirst Credit Card / Millennia / Tata Neu Credit Cards, Reward Points/ CashPoints are earned on transaction amounts in multiples of 100, residual amount or transaction below 100 will not earn CashPoints.”
“The maximum reward points that can be earned in a statement cycle for Tata Neu Infinity* is 50,000.”
“1% Fuel Surcharge waiver on fuel transactions (Minimum transaction of 400, Maximum transaction of 5,000 & Maximum waiver of 500 per statement cycle).”
“This waiver is capped at ₹250 per statement cycle.”
“2 Complimentary Domestic Lounge Voucher per calendar quarter (up to 8 per calendar year) can be availed on spends of Rs 50,000 or more in a calendar quarter.”
“1% fuel surcharge waiver at all fuel stations across India”
“(on minimum transaction of ₹400 & maximum transaction of ₹5,000. Maximum waiver of ₹500 per statement cycle)”
“Get 1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance”
“Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for NeuPass.”
“4 Complimentary Lounge Access per calendar year (1 per Quarter), outside India.”
“Accidental air death cover worth ₹1 Crore”
“Age: 21 - 60 years”
“Age: 21 - 65 years”
“Nationality: Indian”
“Income (Monthly) - ₹1,00,000”
“Annual ITR > ₹12,00,000”
“You can choose any of the following easy options to apply for your HDFC Bank Credit Card:”
“A. Domestic Lounge Access - VISA / RuPay Card”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with HDFC Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is HDFC Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology