Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank · Points/miles card · ₹1,499 annual fee
Fees & benefits
| Annual fee | ₹1,499 + GST — waived at ₹3,00,000/yr spend |
| Welcome benefit | ~₹1,499 value |
| Airport lounges | 8 domestic · 4 international / year |
| No rewards on | fuel, rent, wallet, government, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 5% NeuCoins on Tata brands | 5% | Uncapped | tatacliq, bigbasket, croma, tata-1mg, westside, air-india-express |
| 0.5% NeuCoins on UPI (RuPay); 1.5% via Tata Neu UPI ID | 0.5% | ₹500 | via upi |
| 1.5% NeuCoins on other spends | 1.5% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
NeuCoins (1 NeuCoin = ₹1) are redeemable only within the Tata Neu ecosystem.
Up to 10% NeuCoins on select Tata Neu app purchases (5% card + 5% NeuPass); 5% base on Tata brands, 1.5% on other spends.
UPI rewards: 0.5% base + 1% when paying via the Tata Neu UPI ID, total UPI NeuCoins capped at 500/calendar month.
Domestic lounge access is milestone-based: spend ₹50,000+ in a calendar quarter to unlock 2 lounge vouchers that quarter (up to 8/year); 4 international/year.
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Confirmed 2026-07-13 against the live issuer page (JS-rendered via browser).
Quick answers
Is the Tata Neu Infinity HDFC Bank Credit Card lifetime free?
No, the annual fee is ₹1,499 (plus GST), waived on spending ₹3,00,000 a year.
What is the highest reward rate on the Tata Neu Infinity HDFC Bank Credit Card?
5% — 5% NeuCoins on Tata brands. Effective value depends on monthly caps; see the caveats on this page.
Does the Tata Neu Infinity HDFC Bank Credit Card give airport lounge access?
Yes — 8 domestic visits/year and 4 international visits/year.