CardIQIndia
Verified by CardIQ admin · last checked 04 Jul 2026
56
#13 of 173 in credit
HDFC Bank

Tata Neu Infinity HDFC Credit Card

creditVisaSignature

5% NeuCoins on Tata brands; 1.5% elsewhere

Score breakdown

Data completeness: 90% · Last verified: 06 Jul 2026

Reward value52/100 · weight 65%
≈ 2.51% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency87/100 · weight 11%
Redemption flexibility92/100 · weight 8%
Perks0/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹1,499 + 18% GST
= ₹1,769 total
Annual fee
₹1,499 + 18% GST
= ₹1,769 / year total
Waiver: Spend Rs 3L in a year
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
travelpoints2.00%(8 pts @ ₹0.25)—2% travel (estimated)
online_spendspoints2.00%(8 pts @ ₹0.25)—2% online (estimated)
groceriescashback5%—5% NeuCoins on Tata brands
diningcashback5%—5% on Tata brands
fuelpoints1.00%(4 pts @ ₹0.25)—1% fuel (estimated)
utilitiespoints1.00%(4 pts @ ₹0.25)—1% utilities (estimated)
all_spendspoints0.50%(2 pts @ ₹0.25)—Base earn rate
all_spendscashback1.5%—1.5% NeuCoins elsewhere