Tata Neu Infinity Credit Card – Features, Benefits, Fees & Charges

HDFC Tata Neu Infinity Credit Card Benefits

Reward Benefits (Non-UPI): HDFC Tata Neu Infinity Credit Card

• 5% NeuCoins on non-EMI spends across Tata Neu and partner Tata brands — automatically credited.
• 1.5% NeuCoins on all other non-Tata brand spends, including Merchant EMI transactions.
• Additional 5% NeuCoins on select Tata Neu app/website categories after downloading the app and registering for NeuPass — applicable only for transactions done via primary cardholder’s mobile number on Tata Neu using the Tata Neu HDFC Bank credit card (effective 15 Jan 2025). Exclusions: Bill Payments (Tata Pay), Tanishq, Cult.fit, Air India, and Tata Play.
• NeuCoins not accrued on Fuel, Wallet, Rental, Government, and Online Gaming transactions.

Reward Benefits (UPI): HDFC Tata Neu Infinity Credit Card

• Effective 1st August 2024, you earn up to 1.5% NeuCoins on eligible UPI spends. A base reward of 0.50% NeuCoins is credited by the Bank on all eligible UPI transactions — including those made at partner Tata brands.
• Get an extra 1% NeuCoins when you pay using your Tata Neu UPI ID on eligible UPI payments. This additional reward is posted directly to your Tata Neu account.
• Total NeuCoins earned across all UPI payments are capped at 500 NeuCoins per calendar month.
• NeuCoins are not earned on transactions related to Fuel, Wallet, Rental, Government, or Online Gaming.

Lounge Access Benefits: HDFC Tata Neu Infinity Credit Card

Domestic Lounge Access – VISA / RuPay Card

• Effective 10th June 2025, domestic lounge access becomes milestone-based. Simply spend ₹50,000 or more in a calendar quarter to qualify for 2 complimentary lounge vouchers per quarter (up to 8 in a calendar year).
• Once you qualify, you’ll receive an SMS and Email with details. Click the link in the message, log in using your bank-registered mobile number, and claim your voucher within 120 days of qualification. The voucher is valid for 180 days from issuance at eligible lounges.

To check your spends and qualification status:

• Login to HDFC Bank Netbanking or Mobile Banking app
• Go to Credit Card Section > Select Tata Neu HDFC Bank Credit Card
• Click on Redeem Reward Points (redirects to Rewards Portal)
• In Rewards Portal, go to MyReward > Spend Promo Details

Note: If your card is upgraded, lost, or reissued, only spends made on the new card will count toward qualification. Spends on the previous card will not be considered.

International Lounge Access – VISA Card

• Effective 1st June 2025, Priority Pass on the Tata Neu Infinity HDFC Bank Credit Card – VISA will be issued only on request.
• If you’ve received a new, renewed, or replacement card, simply call HDFC Bank Phonebanking on 1800 1600 or 1800 2600 to apply for Priority Pass for yourself and add-on members.

Benefits:

• You and your add-on member together can enjoy up to 4 complimentary lounge visits per calendar year (1 per quarter) outside India.
• If you exceed the complimentary quota, US $27 + GST will be charged per additional visit.
• All guest visits using Priority Pass are charged at US $27 + GST per visit, per guest.

International Lounge Access – RuPay Card

• Enjoy 4 complimentary lounge visits per calendar year (1 per quarter) outside India.
• A transaction fee of $3.25 will be charged on your credit card for each complimentary visit, which will be reversed automatically.
• Visits beyond the complimentary quota are subject to lounge discretion and will be chargeable by the lounge directly.

Welcome Benefits: HDFC Tata Neu Infinity Credit Card

• 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 and will be available to claim inside Tata Neu App within 60 days of such transaction.
• Welcome Benefit is not applicable on Lifetime Free and First Year Free Cards.

Note: For eligible customers, option to claim the Welcome Benefit will be available inside Tata Neu App for 180 days from statement date of the eligible transaction. The validity of the NeuCoins given against Welcome Benefit will be 365 days from the claim date.

Fuel Surcharge Waiver: HDFC Tata Neu Infinity Credit Card

• Get 1% fuel surcharge waiver on all fuel transactions across India — applicable on minimum transaction of ₹400 and maximum of ₹5,000. Waiver is capped at ₹500 per statement cycle.

Renewal Offer: HDFC Tata Neu Infinity Credit Card

• Spend ₹3,00,000 or more in a year, before your credit card renewal date, and your renewal fee will be waived off automatically.

Eligibility Criteria for HDFC Tata Neu Infinity Credit Card

Apply Now in 3 Easy Steps for HDFC Tata Neu Infinity Credit Card

• Provide & validate your Phone Number & Date of Birth/PAN
• Confirm your details
• Select your Card
• Submit & Receive your Card*

*In certain cases, uploading documents and completing video KYC might be required.

HDFC Tata Neu Infinity Credit Card Fees & Charges

• Joining / Renewal Membership Fee – ₹1,499 + applicable taxes.
• Spend ₹3,00,000 or more in a year, before your credit card renewal date, and get your renewal fee waived off automatically.
• Joining Fee, if applicable, will be levied on the 120th day of card issuance. Renewal Fee will be levied every year at the start of each anniversary year.
• Lifetime Free offer on Tata Neu HDFC Bank Credit Cards is valid for cards applied from 1st Oct 2024 to 31st Dec 2024 via the Bank’s digital platform and physical applications during the offer period.
• LTF conversion for all eligible customers will be completed within 90 days from card open date.
• This offer is NOT applicable for existing customers.
• Life Time Free / First Year Free cardholders are not eligible for the Welcome Benefit.
• HDFC Bank reserves the right, at any time and without prior notice, to add, alter, modify, change, vary, replace, extend or withdraw this offer, wholly or in part, without assigning any reason whatsoever.

HDFC Tata Neu Infinity Credit Card NeuCoins Redemption

You can redeem your NeuCoins while shopping on the Tata Neu website for brands such as:

• Bigbasket
• Croma
• Westside
• Tata CLiQ, Tata CLiQ Luxury
• Air India Express
• TATA 1MG
• Titan and Tanishq
• Qmin
• Hotel Bookings/Purchases on IHCL

HDFC Tata Neu Infinity Credit Card NeuCoins Statement & Transfer Breakdown

Your monthly credit card statement will clearly show the breakup of your NeuCoins as follows:

• NeuCoins accrued and currently available with the Bank
• NeuCoins transferred to Tata Neu during the statement cycle

On a periodic basis, within 7 working days of statement generation, the Bank will transfer the NeuCoins to your Tata Neu account.

Once transferred, these NeuCoins will be available for redemption directly inside the Tata Neu App.

HDFC Tata Neu Infinity Credit Card NeuCoins Validity

Effective 1st August 2025, NeuCoins earned on your Tata Neu HDFC Bank Credit Card will be valid for 12 months (including lock period) from the end of the month in which they are credited to your Tata Neu Account.

• If NeuCoins are credited on 5th August 2025, they will be valid until 31st August 2026.
• If NeuCoins are credited on 31st August 2025, they will be valid until 31st August 2026.

Validity of Existing NeuCoins Balance

• Non-Promotional NeuCoins – The validity of your existing balance of Non-Promotional NeuCoins (earned before 1st August 2025) will be set as 31st July 2026 in your Tata Neu Account. This update will begin in July 2025 and be completed by August 2025 in a phased manner.
• Promotional NeuCoins / Welcome Benefit – NeuCoins earned during special promotions or as Welcome Benefit will continue to follow the expiry terms communicated at the time of issuance.

What are NeuCoins in HDFC Tata Neu Infinity Credit Card

NeuCoins are the exclusive rewards currency created by Tata Neu — designed to reward you for every purchase you make across the Tata ecosystem.

When my NeuCoins will be transferred to Tata Neu?

The Bank will calculate and accrue your reward points for each statement cycle. Within 7 working days of statement generation, your points will be transferred to the Tata Neu App as NeuCoins.

What are the applicable capping of the Accrual of the NeuCoins?

NeuCoins are accrued based on the transaction settlement date, with monthly caps applicable across specific categories:

• Grocery Transactions: 2,000 NeuCoins per month
• Insurance Transactions: 2,000 NeuCoins per month
• Utility Transactions: 2,000 NeuCoins per month
• Telecom & Cable Transactions: 2,000 NeuCoins per month
• UPI Transactions: 500 NeuCoins per month

HDFC Tata Neu Infinity Credit Card Additional Features

HDFC Tata Neu Infinity Credit Card Contactless Payment

Tata Neu Infinity HDFC Bank Credit Card is enabled* for contactless payments at retail outlets.
Note: In India, contactless transactions up to ₹5,000 can be done without entering your Credit Card PIN. For transactions of ₹5,000 or above, PIN entry is mandatory for security. Look for the Contactless Network Symbol on your card.

HDFC Tata Neu Infinity Credit Card Apply Mode

You can choose any of the following easy options to apply for your HDFC Bank Credit Card: