The HDFC Bank Tata Neu Infinity Credit Card is a semi-premium, co‑branded credit card designed to maximise rewards through NeuCoins, a cashback‑equivalent rewards currency that works seamlessly across the Tata ecosystem.
HDFC Bank issues two variants: Tata Neu Plus & Tata Neu Infinity
The Infinity variant is clearly the better one, thanks to better rewards and lounge access. Opting for the RuPay version unlocks UPI transactions with rewards, which is arguably the core value proposition of this card.
Here’s everything you need to know about the HDFC Tata Neu Infinity Credit Card in it’s current form,
Overview
| Type | Semi-Premium Credit Card |
| Reward Rate | 1.5% – 5% |
| Best for | UPI & Bill Payments |
| USP | Rewards on UPI Spends |
At this fee point, HDFC Bank’s Tata Neu Infinity Credit Card is quite loaded with benefits and rewards that’s very close to Premium Credit Cards.
Do note that Tata Neu also have come up with similar cards with SBICard but I would say HDFC variant is still better.
Joining Fees
| Joining Fee | Nil (Issued as FYF/LTF) |
| Welcome Benefit | 1,499 NeuCoins (on paid cards) |
| Renewal / Annual Fee | 1,499 INR + GST |
| Renewal Benefit | Nil |
| Renewal Fee waiver | On spending >3 Lakhs |
While it’s easy to grab First Year Free (FYF) offer on HDFC Bank’s Tata Neu Infinity Credit Card, getting Lifetime Free (LTF) offer is becoming harder in 2025, compared to how it used to be in the past.
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Rewards
| SPEND TYPE | REWARD RATE | Max Cap |
|---|---|---|
| Regular Spends | 1.5% | Nil |
| UPI Spends (via TataNeu App) |
1.5% | 500 NeuCoins (per month, combined) |
| UPI Spends (on other Apps) |
0.5% | 500 NeuCoins (per month, combined) |
| Spends on TataNeu App (Bill Pay & Tata brands) |
5% | as per category |
- NeuCoins Validity: 1 Year
- No rewards on fuel, wallet, rent, gaming and Gov spends.
- Capping is as per “calendar” month.
While the regular rewards on the card is not exciting, the 5% return with Tata Brands and even on Bill payments is quite a good thing.
Limitation on Rewards:
- Insurance, Groceries, utility, Telecom & Cable all capped at 2,000 NeuCoins / month for each category as above.
- Education payments made through third-party apps like CRED, MobiKwik, etc will not earn NeuCoins.
- Some merchants may not offer additional 5% rewards via NeuPass.
- 5% rewards applicable for transactions done only via Primary Card Holder Mobile Number Account (as per credit card application) on Tata Neu
- Currently, Bill Payment (Tata Pay), Tanishq, Cult.fit, Air India, Tata Play spends are not eligible for additional 5% NeuCoins via NeuPass Membership
The limits are ideally good enough for a regular user and 5% rewards on these categories are rare to see in the segment.
NeuPass
With NeuPass Membership, you get:
- Additional 5% NeuCoins on eligible Tata Neu spends
This stacks with the card’s 5% rewards (on select categories), giving you up to 10% effective return.
On top of that, you also get good discounts by booking on the app with brands like BigBasket & Taj Hotels.
Redemption
NeuCoins are cash-equivalent and easy to redeem across Tata partner brands. While there are many options, redeeming for Tanishq gold coins is the popular choice.
If you’re into travel, you can also redeem NeuCoins at Taj Hotels which is perfect for settling any remaining balance after applying Taj vouchers.
Some same redemptions below:
Lounge Access
| ACCESS TYPE | ACCESS VIA | ACCESS LIMIT |
|---|---|---|
| Domestic | Visa / Rupay | 2/Qtr |
| International | Rupay/ Priority Pass | 1/Qtr (shared) |
For domestic access, lounge vouchers will be issued. Receive SMS/email to claim voucher within 120 days, then lounge usage valid within 180 days. Link to details.
For international access, on Visa, Priority Pass is issued on request.
While earlier the card offered direct swipe-based access, the voucher model with spend requirement adds friction.
That aside, if your life involves frequent travel, you may perhaps get the HDFC Regalia Gold credit card along with a Tata Neu card to make your life easier.
Other Benefits
- Forex markup: 2% on foreign currency spends
- Fuel surcharge waiver: 1% on petrol transactions between ₹400–₹5,000, max waiver ₹500 per billing cycle
The lower forex markup fee on the HDFC Bank Tata Neu Infinity Credit Card is a nice perk, especially in this segment.
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Bottomline
The HDFC Tata Neu Infinity Credit Card is one of the most rewarding UPI credit cards in the country, particularly beneficial for those who are in the Tata ecosystem.
In this segment, you might as well be interested in the SBI Cashback Credit card (no UPI advantage though) that offers 5% direct cashback on most online spends.
If you’re looking for more options, there are very many best credit cards in India to choose from.
Are you holding HDFC Bank’s TataNeu Infinity Credit Card? Feel free to share your thoughts in the comments below.