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Verified by CardAgent admin · last checked 08 Jul 2026
HDFC Bank

Tata Neu Infinity HDFC Credit Card

67
Ranked #11 of 170 in credit
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HDFC-Tata co-branded card offering NeuCoin rewards for the Tata ecosystem (Tanishq, Croma, BigBasket, Westside, Air India), with lounge access now spend-gated after 2026 revisions.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value62/100 · weight 71%
≈ 3.07% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +3.5% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent. Reward score is scaled by ×(1 − 2.5%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency87/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks56/100 · weight 9%

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: Renewal fee waived on annual spend of Rs 3 lakh
Forex markup
2%

Lounge access

Domestic (per year)
8
International (per year)
4

Reward structure

CategoryTypeRateCapNotes
groceriescashback5%—5% NeuCoins on Tata brands
diningcashback5%—5% on Tata brands
online_shoppingpoints5.00%(5 pts @ ₹1.00)—5% NeuCoins on Tata Neu app + partner Tata brands (Tanishq, Croma, Westside, BigBasket); must pay WITH this card since May 2026 (UPI-routing loophole closed)
all_spendspoints1.50%(1.5 pts @ ₹1.00)—1.5% NeuCoins on non-Tata brand spends and merchant EMI
fuelpoints0.00%(0 pts @ ₹1.00)—No NeuCoins on fuel transactions

Welcome offer

1,499 NeuCoins credited on Tata Neu App on first transaction within 30 days of card issuance

Milestone benefits

Pros

  • 5% NeuCoins on Tata Neu app + partner Tata brands (Tanishq, Croma, Westside, BigBasket, Air India, Titan)
  • 1.5% on all other spends
  • RuPay variant earns on UPI
  • useful for loyal Tata ecosystem shoppers

Cons

  • IMPORTANT 2026 devaluation: from May 1, 2026 the 5% NeuCoins on Tata Neu app spends only applies if paid with THIS card (closed UPI-routing loophole)
  • lounge access now spend-gated (Rs 50K/quarter) instead of free swipe access
  • fuel waiver cap reduced to Rs 500/month
  • many category caps (grocery, utility, telecom capped at 2,000 NeuCoins/month)

What's inside

More benefits

  • Welcome NeuCoins

    ₹1,499

    1,499 NeuCoins credited as reversal of 1st year membership fee

    Cap ₹1,499 / one-time. On first transaction within 30 days of card issuance

Insurance cover

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Eligibility

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Age 21-65; available in Visa and RuPay variants (RuPay recommended for UPI NeuCoins); also available as FD-secured variant from Rs 15,000 FD

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 400-Rs 5,000 transactions, capped at Rs 500/month (revised down from earlier cap)