Tata Neu Infinity HDFC Bank Credit Card Review: 5% NeuCoins on Tata Brands

HDFC Bank's Tata Neu Infinity card returns 5% as NeuCoins on partner Tata brands and 1.5% on most other spends, with 1 NeuCoin worth ₹1 on Tata Neu. It costs ₹1,499 plus GST, waived on ₹3 lakh of yearly spends, and from 25 November 2026 NeuCoins must be claimed in the Tata Neu App. SBI Card issues a separate card with the same name.

By Pankaj Pandey · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹1,499 + GST
Annual fee: ₹1,499 + GST. Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
Base reward: 1.5% back as NeuCoins on non-EMI spends on non-Tata brands and on merchant EMI... (about 1.5% value)
Best category: Non-EMI spends on partner Tata brands: about 5% value
Lounge: Domestic: 2 complimentary domestic lounge vouchers per calendar quarter (up to 8 a year) International: Visa: Priority Pass on request, up to 4 complimentary visits per calendar year (1 per quarter) for primary and add-on combined; RuPay: 4 per year (1 per quarter)
Forex markup: 2% of the amount
Network: Visa, RuPay

Apply on HDFC Bank's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

A strong everyday card for households that buy regularly from Tata brands and will claim their NeuCoins, but only a 1.5% card for everyone else.

Best for

Regular BigBasket, Croma, Tata CLiQ, Tata 1mg and Air India customers
RuPay UPI users who pay through the Tata Neu UPI ID
Salaried applicants with gross monthly income above ₹1 lakh

Skip it if

You rarely shop at Tata brands and want cashback on your statement
You are unlikely to claim NeuCoins in the Tata Neu App every few months
You prefer NeuCoins credited automatically, as on the SBI Card version

Highlights

₹1,499 plus GST, returned as 1,499 NeuCoins in year one
5% NeuCoins on partner Tata brands, 1.5% on other spends
Up to 1.5% on RuPay UPI, capped at 500 NeuCoins a month
2 domestic lounge vouchers a quarter on ₹50,000 of spends
NeuCoins must be claimed in the app from 25 November 2026

Tata Neu Infinity HDFC Bank: which card this page is about

Two banks issue a card called Tata Neu Infinity. This page review HDFC Bank's, the Tata Neu Infinity HDFC Bank Credit Card; SBI Card's version has different lounge, UPI and NeuCoin rules, compared in the Similar cards tab. The HDFC card is active and open for applications.

It pays in NeuCoins, worth ₹1 each on the Tata Neu app and eligible Tata brands: 5% on partner brands such as BigBasket, Croma, Tata CLiQ, Westside, Titan, Tata 1mg, IHCL hotels and Air India, and 1.5% on most other spends. It comes on Visa or RuPay, and RuPay works on UPI.

The rule change you need to know

From 25 November 2026, NeuCoins earned on the card will no longer be auto-credited to your Tata Neu account. You have to claim them in the Tata Neu App within 12 months of the statement they were earned in, minimum 100 per claim and up to 3 claims a day. Once claimed, they stays valid another 12 months.

Earlier changes

2024: UPI NeuCoins split into 0.5% from any UPI app plus 1% extra via the Tata Neu UPI ID, capped at 500 a month (1 August); utilities and telecom capped at 2,000 a month each (1 September).
2025: extra NeuPass 5% only on the primary cardholder's account (15 January); lounges became spend-linked vouchers (10 June); no NeuCoins on gaming and an insurance cap of 2,000 (1 July); none on monthly EMI principal billing (17 November).
2026: HDFC's 15 May switch to per ₹200 earning left co-brand cards alone, but its 1.75% markup on rupee payments abroad applies.

What the HDFC Tata Neu Infinity card costs

The fee is ₹1,499 a year, joining and renewal, plus GST. At 18% that's ₹269.82 of tax, so about ₹1,769 in all. In year one Tata Digital gives back 1,499 NeuCoins as a fee reversal if you transact within 30 days of issue and claim them in the Tata Neu App. The GST part don't get refunded.

From the second year, spending ₹3 lakh in the year before renewal waives the fee. That needs ₹25,000 a month (₹3,00,000 divided by 12). For a family buying groceries on BigBasket and paying bills on the card this is quite reachable, a single person using it only for Tata brands may fall short.

Interest and penalties

The finance charge is 3.75% a month, 45% a year, plus GST. Carrying ₹30,000 for 40 days cost about ₹1,479 (40 times ₹30,000 times 45%, divided by 365), about three months of a light user's NeuCoins. Late fees follow HDFC's bill slabs, for example ₹600 on a ₹1,001 to ₹5,000 bill and ₹1,100 on ₹25,001 to ₹50,000, plus GST, after 3 grace days.

Other charges

Forex markup 2% plus GST.
Fuel: 1% surcharge waived on fills between ₹400 and ₹5,000, up to ₹500 a statement cycle; a single fuel bill over ₹15,000 draws a 1% fee.
Rent 1% per payment; wallet loads over ₹10,000 a month 1%; utility bills over ₹50,000 a month 1%; all capped at ₹4,999.
Cash advance: 2.5% or ₹500, whichever is higher. Over-limit: 2.5%, minimum ₹550, only with consent.
Add-on cards: free. Redemptions: no processing fee. Lost card replacement: ₹199.

Tata Neu Infinity: fees and charges

Joining fee	₹1,499 + GST
Annual or renewal fee	₹1,499 + GST
Annual fee waiver	Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
Add-on card fee	Nil
GST	Charged on top of the fees and charges listed
In the bank’s words	₹1,499 + GST joining and annual fee (MITC); 1,499 NeuCoins welcome benefit as reversal of the first-year fee
Interest on unpaid balances	Up to 3.75% a month (45% a year)
Late payment fee	Late payment charges (excl. GST), basis the bill amount, w.e.f. 1 Aug 2024: nil up to ₹100; ₹100 for ₹101 to ₹500; ₹500 for ₹501 to ₹1,000; ₹600 for ₹1,001 to ₹5,000; ₹750 for ₹5,001 to ₹10,000; ₹900 for ₹10,001 to ₹25,000; ₹1,100 for ₹25,001 to ₹50,000; ₹1,300 above ₹50,000. Charged when the Minimum Amount Due is not paid; account is reported past due and late fee levied only after 3 grace days from the due date.
Cash withdrawal	2.5% of the amount withdrawn or ₹500, whichever is higher, plus finance charges at the revolving rate from the date of withdrawal until full payment.
Over-limit fee	2.5% of the over-limit amount, minimum ₹550, only with the cardholder's explicit consent.
Forex markup	2% of the amount
Other fees	Rent payments: 1% of the transaction amount on any applicable merchant, capped at ₹4,999 per transaction (w.e.f. 1 Jul 2025). Fuel: 1% on the whole amount of a fuel transaction above ₹15,000 (consumer cards), capped at ₹4,999 per transaction. Utilities: 1% on total utility spends when they exceed ₹50,000 in a calendar month, capped at ₹4,999 per month (insurance is not treated as utility). Education: 1% on payments through third-party apps such as CRED, NoBroker, Cheq, capped at ₹4,999 per transaction; direct payments to the school or college website or POS and international education are not charged. Wallet loading (excluding PayZapp): 1% on total wallet loads when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Online skill-based gaming: 1% on total gaming spends when they exceed ₹10,000 in a calendar month, capped at ₹4,999 per month (w.e.f. 1 Jul 2025). Railway ticket purchases: 1% of the transaction amount + GST (all cards other than IRCTC). Dynamic currency conversion markup: 1.75% on transactions in Indian rupees at an international location or with merchants located in India but registered overseas (w.e.f. 15 May 2026). Card reissue (lost, stolen, damaged or network change): ₹199 for non-metal cards; ₹3,500 for metal cards (w.e.f. 15 May 2026). Payment return: 2% of the payment amount, minimum ₹450. Cash processing fee: ₹100 for card payments deposited in cash at HDFC Bank branches or ATMs. Balance transfer processing: 1% of the amount or ₹250, whichever is higher. EasyEMI processing fee at merchants: up to ₹299 (w.e.f. 1 Aug 2024).

NeuCoins: rates, caps and three spending patterns

The 5% on Tata brands is 1.5% base plus 3.5% extra, and the extra part posts the day after the purchase settles since 26 December 2025. Each brands has a monthly fair-usage spend limit, from ₹50,000 at Qmin and ₹1,00,000 at BigBasket up to ₹8,00,000 at IHCL and Air India. NeuPass members can earn another 5% on selected categories bought on the Tata Neu app or website, but not on Tata Pay bills, Tanishq, Cult.fit, Air India or Tata Play.

Other non-EMI spends earn 1.5%. On UPI with the RuPay card you get 0.5% from any UPI app and 1.5% with the Tata Neu UPI ID, capped at 500 NeuCoins a month, a limit you hit at about ₹33,334 of Tata Neu UPI spend (500 divided by 1.5%). Grocery, insurance, utilities and telecom are each capped at 2,000 a month. Fuel, rent, government, wallet loads, vouchers, education via apps and gaming earns nothing. NeuCoins count on multiples of ₹100.

Lounges: 2 domestic vouchers for each quarter with ₹50,000 of spends (claim within 120 days, use within 180) and up to 4 international visits a year on either network.

Monthly spend	Light ₹20,000	Typical ₹45,000	Heavy ₹1,00,000
Tata brands at 5%	₹5,000: 250	₹10,000: 500	₹40,000: 2,000
UPI with Tata Neu UPI ID	₹5,000: 75	₹10,000: 150	₹40,000: 500 (capped)
Other spends at 1.5%	₹10,000: 150	₹25,000: 375	₹20,000: 300
NeuCoins a year	5,700	12,300	33,600
Fee from year two	About ₹1,769	Waived	Waived

Light: ₹4,000 on BigBasket and ₹1,000 on Tata CLiQ give 250 NeuCoins, UPI 75, the rest 150, so 475 a month and 5,700 a year. Yearly spend is ₹2.4 lakh (₹20,000 times 12), short of ₹3 lakh, so the fee applies and 5,700 minus about 1,769 leaves about ₹3,931. Quarters of ₹60,000 still earn 2 lounge vouchers each.

Typical: ₹6,000 BigBasket, ₹3,000 Croma and ₹1,000 Tata 1mg earn 500; with 150 from UPI and 375 from the rest that's 1,025 a month and 12,300 a year. ₹5.4 lakh of yearly spend (₹45,000 times 12) waives the fee.

Heavy: ₹15,000 of Air India flights, ₹10,000 at IHCL, ₹8,000 on BigBasket and ₹7,000 at Croma, ₹40,000 in all, earn 2,000. UPI of ₹40,000 would give 600 at 1.5% but stop at 500. Add 300 from the rest: 2,000 plus 500 plus 300 is 2,800 a month and 33,600 a year, well under the 50,000 a statement cycle limit.

Tata Neu Infinity: higher-reward categories

Category	Rate	Cap
Non-EMI spends on partner Tata brands (Annex 1)	5% back as NeuCoins (1.5% base + 3.5% additional), about 5% value	Fair usage by monthly spend per brand: Croma ₹6,00,000; Tata CLiQ/Westside ₹3,00,000; IHCL/Air India Express/Air India ₹8,00,000; 1mg/Cult/Tata Play ₹2,00,000; Tata Pay ₹1,00,000 (from 1 Aug 2024); BigBasket ₹1,00,000; Titan/Tanishq ₹6,00,000; Qmin ₹50,000, month
Selected categories on the Tata Neu app or website (NeuPass members; primary cardholder's account only from 15 Jan 2025)	Additional 5% back as NeuCoins, about 5% value	Not on Tata Pay bill payments, Tanishq, Cult.fit, Air India and Tata Play
UPI spends on the RuPay card	Up to 1.5%: 0.5% with any UPI ID plus an extra 1% with the Tata Neu UPI ID, about 1.5% value	total NeuCoins on eligible UPI transactions capped to 500 NeuCoins per month, calendar month

Tata Neu Infinity: how rewards work

Earned as	Tata NeuCoins (1 NeuCoin = ₹1 on Tata Neu)
Base rate	1.5% back as NeuCoins on non-EMI spends on non-Tata brands and on merchant EMI spends (any brand). About 1.5% value back
Minimum spend rules	NeuCoins rounded down to whole numbers; transaction amounts in multiples of ₹100 (MITC)
No rewards on	Fuel Wallet loads, gift or prepaid card loads and voucher purchases Cash advances Payment of outstanding balance Card fees and charges Smart EMI / Dial an EMI Rental and government transactions Education payments through third-party apps (from 1 Sep 2024) Online skill-based gaming, MCC 5816 (from 1 Jul 2025)
Lower rewards on	Grocery, insurance, utility and telecom & cable: each capped at 2,000 NeuCoins per month
Value of a point	Tata Neu app and eligible Tata brands: 1 NeuCoin = INR 1
Redemption fee	No processing fee for Tata Neu Infinity / Tata Neu Plus redemption requests (MITC)
Expiry	From 25 Nov 2026: claim NeuCoins in the Tata Neu App within 12 months of the statement in which they were earned (minimum 100 per claim, up to 3 claims a day); claimed NeuCoins stay valid 12 more months in the Tata Neu account
Welcome benefits	1,499 NeuCoins (reversal of the first-year fee) on the first transaction within 30 days of issuance; claim in the Tata Neu App; not for lifetime-free or first-year-free cards
Milestone benefits	2 domestic lounge vouchers per calendar quarter on spends of ₹50,000 in that quarter Renewal fee waived on ₹3 lakh annual spends
Lounge access	Domestic: 2 complimentary domestic lounge vouchers per calendar quarter (up to 8 a year) International: Visa: Priority Pass on request, up to 4 complimentary visits per calendar year (1 per quarter) for primary and add-on combined; RuPay: 4 per year (1 per quarter) Condition: Domestic: spends of ₹50,000 or more in that calendar quarter (from 10 Jun 2025); claim within 120 days and use within 180 days. Extra Priority Pass visits and guests US$27 + GST each.
Fuel surcharge waiver	1% fuel surcharge waiver on transactions of ₹400 to ₹5,000; maximum waiver ₹500 per statement cycle
Insurance cover	Primary cardholder: air accident cover USD 125,000; emergency medical expenses abroad USD 18,750; card liability ₹9,00,000; credit shield ₹9,00,000; missed connection and flight delay USD 313 each (policy 23 Jul 2026 to 22 Jul 2027)

Eligibility and applying for the HDFC version

HDFC publishes an income floor here, which SBI Card doesn't for its version. Salaried applicants should be 21 to 60 years old with gross monthly income above ₹1 lakh. Self-employed applicants should be 21 to 65 with an ITR above ₹12 lakh a year. The card is for Indian nationals, and approval is at the bank's discretion subject to documentation and verification.

There isn't a card-specific document list on HDFC's pages. Its general guidance is to keep identity, address and income proof ready; if you already bank with HDFC you might not need to submit them. Apply online using the card page's Apply Now button or at an HDFC Bank branch. You choose Visa or RuPay; pick RuPay if UPI payments on credit is the reason you want this card.

What the bank looks at

Your own financial means and the card limits you hold with other banks, as the RBI's 2025 card Directions requires.
Your score on a 300 to 900 scale. Experian treat above 750 as generally good.
Tata Digital doesn't decide. In a co-brand card the partner only market it and cannot see your transactions; the issuing bank decide and is liable for the advertised NeuCoins.

A rejection must come with written reasons.

Tata Neu Infinity: eligibility and documents

Age (salaried)	21 to 60 years
Age (self-employed)	21 to 65 years
Income (salaried)	Gross monthly income greater than ₹1 lakh
Income (self-employed)	Income Tax Return (ITR) greater than ₹12 lakh per annum
Other conditions	Indian nationals; approval at the bank's discretion, subject to documentation and verification
Documents	Identity proof, address proof and income proof (HDFC Bank general guidance; the card page's document list could not be read) Existing HDFC Bank customers may not need to submit them again
How to apply	Online at applyonline.hdfc.bank.in (Apply Now on each card page), or at an HDFC Bank branch; FD-backed Pixel cards can be applied for in the PayZapp app. HDFC's FAQ says a branch visit is not mandatory.
Card customer care	1800 1600 / 1800 2600 (toll-free in India); +91 22 6160 6161 from outside India

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

HDFC Tata Neu Infinity against the SBI version and two shopping cards

Tata Neu Infinity SBI Card

SBI Card's version has the same ₹1,499 plus taxes fee, the same ₹3 lakh reversal, 1,499 welcome NeuCoins (within 15 days of fee realisation) and the same 5% and 1.5% structure, with no partner-brand cap stated. The differences are practical. Its NeuCoins move to your NeuPass account automatically within 7 working days of the statement, while HDFC asks you to claim from 25 November 2026. Its RuPay UPI spends earn 1.5%, capped at the same 500 a month, and SBI Card states no Tata Neu UPI ID condition. Domestic lounges are 8 a year but need ₹75,000 of spend in the previous quarter, against HDFC's ₹50,000 in the same quarter. Forex is 1.99%. SBI Card publishes no minimum income, and its page gives the maximum age as 60 in one place and 70 in another. More in our SBI Card hub.

Amazon Pay ICICI Bank

Amazon Pay ICICI has no joining or annual fee and pays 5% on Amazon for Prime members, 3% for others, 2% on partner merchants and 1% elsewhere, with no cap stated. Rewards arrive as Amazon Pay balance, not statement credit. It's invite-only, lists no lounges and has 1.99% forex.

Flipkart Axis Bank

Flipkart Axis costs ₹500 plus GST: 7.5% on Myntra and 5% on Flipkart and Cleartrip, each capped at ₹4,000 a statement quarter, credited to the statement. Waiver needs ₹3.5 lakh; forex is 3.5%.

Who should pick which

HDFC Tata Neu Infinity: Tata shoppers who will claim NeuCoins and want lounges on ₹50,000 a quarter.
SBI Tata Neu Infinity: same shopper who want NeuCoins credited without claiming.
Amazon Pay ICICI or Flipkart Axis: if Amazon, or Flipkart and Myntra, is where you shop.

Other HDFC options: our HDFC Bank credit cards page. Service numbers: HDFC Bank customer care. Every bank: the credit cards hub.

Tata Neu Infinity against similar cards

Term	Tata Neu Infinity HDFC Bank Credit Card This card	Amazon Pay ICICI Bank Credit Card	Flipkart Axis Bank Credit Card	Swiggy Ornge HDFC Bank Credit Card
Bank	HDFC Bank	ICICI Bank	Axis Bank	HDFC Bank
Joining fee	₹1,499 + GST	Nil	₹500 + GST	₹500 + GST
Annual fee and waiver	₹1,499 + GST. Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.	Nil	₹500 + GST. Annual fee (2nd year onward) waived on spends of INR 3,50,000 in the preceding card anniversary year; rent and wallet loads (Key Fact Sheet: also gift cards) do not count; spends counted by posting date.	₹500 + GST. Annual Fee starting second Year waived off on spending ₹1.5 lakh / Annum
Base reward	1.5% back as NeuCoins on non-EMI spends on non-Tata brands and on merchant EMI... (about 1.5% value)	1% Reward Points on all purchases on non-Amazon platforms (about 1% value)	1% cashback on other eligible spends, no cap (about 1% value)	1% cashback on other eligible spends, capped at ₹1,000 per billing cycle (about 1% value)
Best category	Non-EMI spends on partner Tata brands: about 5% value	Amazon.in purchases, Amazon Prime members: about 5% value	Myntra: about 7.5% value	Swiggy app and eligible online merchants and MCCs: Amazon, Flipkart, Myntra, Nykaa, Cleartrip, BookMyShow, Uber, PharmEasy, Croma, Vijay Sales, Reliance Digital, Netflix, SonyLIV, Prime, Hotstar, Paytm Travel, Ixigo, Yatra, EaseMyTrip, ibibo; apparel, pharmacy, pet, personal care, travel and hotel, electronics MCCs: about 5% value
Lounges	Domestic: 2 complimentary domestic lounge vouchers per calendar quarter (up to 8 a year) International: Visa: Priority Pass on request, up to 4 complimentary visits per calendar year (1 per quarter) for primary and add-on combined; RuPay: 4 per year (1 per quarter)	Domestic: None stated on card page International: None stated on card page	Domestic: None (4 complimentary domestic lounge visits discontinued from 20 June 2025) International: None	Domestic: None stated International: None stated
Forex markup	2% of the amount	1.99% of the amount	3.5% of the amount	3.5% of the amount
Network	Visa, RuPay	Visa	Not stated by the bank	Mastercard
Published minimum income	₹1,00,000 a month	₹30,000 a month	Not stated on the card page	₹20,000 a month
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

Is the Tata Neu Infinity HDFC card fee refunded?

In the first year, yes, as NeuCoins. The fee is ₹1,499 plus GST, and Tata Digital gives 1,499 NeuCoins back if you transact within 30 days of issue and claim them in the Tata Neu App. From the second year, ₹3 lakh of spends in the year before renewal waives it.

What is a NeuCoin worth on the HDFC Tata Neu Infinity card?

One NeuCoin is worth ₹1 on the Tata Neu app and eligible Tata brands, and HDFC charges no processing fee to redeem. NeuCoins cannot be taken as statement cashback. From 25 November 2026 they must be claimed in the Tata Neu App within 12 months of the statement, and claimed NeuCoins stay valid for 12 more months.

Who is eligible for the Tata Neu Infinity HDFC Bank credit card?

Salaried Indian nationals aged 21 to 60 with gross monthly income above ₹1 lakh can apply, as can self-employed applicants aged 21 to 65 with an income tax return above ₹12 lakh a year. HDFC decides each application after documentation and verification, and Tata Digital has no role in approval.

What lounge access does the HDFC Tata Neu Infinity card give?

You get 2 complimentary domestic lounge vouchers for each calendar quarter with ₹50,000 or more of spends, up to 8 a year. Outside India, Visa cardholders can request Priority Pass with up to 4 free visits a calendar year, one a quarter, and RuPay cardholders also get 4 a year.

What changes on 25 November 2026 for Tata Neu HDFC cardholders?

NeuCoins earned on the card will no longer be credited automatically to the Tata Neu account. You must claim them in the Tata Neu App within 12 months of the statement in which they were earned, at least 100 NeuCoins per claim and up to 3 claims a day. Claimed NeuCoins then remain valid for 12 more months.

How is the HDFC Tata Neu Infinity card different from the SBI Card version?

Both charge ₹1,499 plus taxes and pay 5% on Tata brands. SBI Card's version moves NeuCoins to NeuPass automatically, states no Tata Neu UPI ID condition for its 1.5% on RuPay UPI and has 1.99% forex. HDFC's needs claims from 25 November 2026 but gives domestic lounges on ₹50,000 in the same quarter rather than ₹75,000 in the previous one.

Sources

HDFC Bank: Part I Key Fact Statement cum Most Important Terms and Conditions (MITC), English, Version 4.18; Terms & Conditions – Tata Neu Infinity HDFC Bank Credit Card; Tata Neu Infinity HDFC Bank Credit Card (AMP page); Tata Neu and HDFC Bank partner to create one of India's most rewarding co-branded credit cards (press release); Tata NeuCoins Claim and Redemption Process on Tata Neu HDFC Bank Credit Card; Tata Neu Infinity HDFC Bank Credit Card (product page); HDFC Bank Ltd group insurance benefits, policy period 23 July 2026 to 22 July 2027 (HDFC ERGO); Tata Neu Infinity Eligibility; How to Get a Credit Card in 3 Easy Steps (HDFC Bank blog); Credit Card Customer Care Number & Support

Last verified: 5 November 2026

Written by Pankaj Pandey, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.