The HDFC Tata Neu Infinity Credit Card is a premium co-branded card designed for individuals who frequently shop within the Tata ecosystem. Offering generous rewards in the form of NeuCoins, this card is ideal for those who want to maximize their benefits on Tata brand purchases and enjoy additional travel and lifestyle perks. The card also supports RuPay UPI, providing added convenience for digital transactions.
Card Overview
| Category | Details |
|---|---|
|
Type of Card |
Co-branded Premium Credit Card |
|
Annual Fee |
₹1,499 + GST |
|
Reward Rate |
1.5% to 10% |
|
USP |
High rewards on Tata brand purchases & UPI transactions |
|
Best Use For |
UPI Spends |
Joining & Renewal Fees
The HDFC Tata Neu Infinity Credit Card comes with a moderate annual fee, offset by its rewards and benefits.
| Category | Details |
|---|---|
|
Joining Fee |
₹1,499 + GST |
|
Joining Benefit |
1,499 NeuCoins |
|
Welcome Benefit Criteria |
Make a transaction within 30 days |
|
Renewal Fee |
₹1,499 + GST |
|
Renewal Waiver |
Spend ₹3 lakh in a year to waive the fee |
The fees of 1499 would be easily justified with NeuCoins since you can buy medicines or shop on Tata CLiQ with 1 reward point = 1 rupee
Many times, HDFC gives the card for first year or Lifetime Free (LTF) as well. See if you get it for LTF & comment below
Neu Coins Earning Potential
The card offers a rewarding program with accelerated points on Tata brand purchases and select categories.
| Spend Type | Reward Rate |
|---|---|
|
Tata Neu and Partner Brands (with NeuPass) |
10% |
|
AirIndia Express, Utility Bill Payments, Tata Pay |
5% |
|
Retail and UPI Spends |
1.5% |
Below categories won’t earn any Neu Coins
- Wallet (MCC 6540)
- Gift vouchers
- Fuel (MCC 5541, 5542)
- Rent (MCC 6513)
- Government transactions (MCC 9311, 9399).
Rupay UPI Feature
The HDFC Tata Neu Infinity Credit Card supports RuPay UPI, allowing cardholders to make seamless digital transactions directly from their credit card. This feature enhances convenience, especially for everyday purchases and bill payments. UPI spends earn 1.5% back in NeuCoins, capped at 500 NeuCoins per calendar month.
Rewards Redemption
The card provides flexible redemption options for NeuCoins:
- Tata Neu App:
- Redeem NeuCoins for purchases on Tata Neu and partner brand platforms. Each NeuCoin is equivalent to ₹1.
- Travel and Lifestyle:
- Use NeuCoins for hotel bookings, flights, medicines, shopping and more within the Tata ecosystem.
- AirIndia Express
- TATA 1MG
- Bigbasket
- Croma, Westside.
- Tata CLiQ, Tata CLiQ Luxury
- Hotel Bookings/Purchases on IHCL
- Use NeuCoins for hotel bookings, flights, medicines, shopping and more within the Tata ecosystem.
Design and Appearance
The card features a sleek design, reflecting its premium status. The aesthetics align with the high-end benefits it offers, appealing to those who value style and exclusivity.
Airport Lounge Access
The HDFC Tata Neu Infinity Credit Card offers complimentary lounge access, enhancing the travel experience for cardholders.
| Benefit | Domestic Lounge Visits | International Lounge Visits |
|---|---|---|
|
Lounge Visits |
8 |
4 |
|
Quarterly Limits |
2 |
1 |
International lounge is provided in partnership with Priority Pass. You can apply for the priority pass here
If you visit a lounge outside of India more than the complimentary number of times, you will be charged a usage fee of $27 plus GST per visit.
Foreign Currency Transaction Fee (Forex)
The HDFC Tata Neu Infinity Credit Card charges a 2% fee on foreign currency transactions, which is competitive for a premium credit card.
Fuel Surcharge Waiver
The card provides a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, up to ₹500 per statement cycle
Golf Benefits
The HDFC Tata Neu Infinity Credit Card does not offer specific golf benefits.
Eligibility and Application
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Conclusion
The HDFC Tata Neu Infinity Credit Card is an excellent choice for those who frequently shop within the Tata ecosystem and seek substantial rewards on their purchases. With its generous NeuCoin rewards, travel benefits, RuPay UPI feature, and competitive foreign transaction fee, it offers significant value for those aligned with its offerings. While the card’s benefits are primarily focused on Tata brand purchases, its overall perks make it a worthwhile option for eligible cardholders.