Tata Neu Infinity HDFC Bank Credit Card
3 from 234 Users
3 from 234 Users
NeuCoins On Tata Brand Spends
provide 5% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands.
NeuCoins On Other Spends
offer 1.5% back on non-Tata brand purchases, merchant EMI, and UPI spends, with UPI earnings capped at 500 NeuCoins per month.
Shopping
Grocery Shopping
Travel
Utility Bills
Joining Fees
₹1,769 ( ₹1499 + GST )
Joining fee is offset through 1,499 NeuCoins on first transaction within 30 days.
Annual Fees
₹1,769 ( ₹1499 + GST )
Annual fee is waived on yearly spends of ₹3,00,000 or more before the renewal date.
Age Criteria
21-60 years
Salary Criteria
12 LPA
Credit Rating*
750+
See if you are eligible for this card
Rewards Conversion Rate
1 NeuCoin = ₹1
Redemption Options
You can redeem your points here:
- Tata Neu App (Croma, Bigbasket, Air India Express, IHCL, Westside, TataCliQ, Titan, Tanishq)
- At select stores via Tata Neu Account
To check redemption catalogue
All Benefits
• 5% back as NeuCoins on Non-EMI spends on Tata Neu & partner Tata brands.
• 1.5% back as NeuCoins on non-Tata brand spends & any Merchant EMI spends.
• Up to 1.5% back as NeuCoins on UPI spends (500 NeuCoins/month cap).
• Additional 5% back as NeuCoins on select Tata Neu App categories (post NeuPass registration).
• No NeuCoins on Rent, Govt., Online Gaming; capped NeuCoins for Utility, Grocery, Telecom, Insurance, Education.
• NeuCoins redeemable on Tata brands (BigBasket, Croma, Tata CLiQ, etc.) with 12-month validity.
• Foreign currency markup: 2%.
• Revolving credit available.
• Renewal Fee Waiver on ₹3L annual spend.
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Fuel Spends
Insurance Payments
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Education Spends
Government-related Transactions
Wallet transactions
Load Money
Bank Charges & Fees
All Reversals
Utility Bill Payments
Financial Charges
UPI Transactions
Online Skill-Based Gaming
Voucher Purchases
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Balance Transfer
For Spends Waiver
Rent Payment
Fuel Spends
Insurance Payments
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Education Spends
Government-related Transactions
Wallet transactions
Load Money
Bank Charges & Fees
All Reversals
Utility Bill Payments
Financial Charges
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Balance Transfer
UPI Transactions
Online Skill-Based Gaming
Voucher Purchases
| Structure | Details |
|---|---|
Forex Markups   3.5% Forex Markups are levied if you use your card to make payment in any currency other than INR. This fee will be levied if you shop on any ecomerce website which accepts payment in currency other than INR or if you make a payment outside of India using a POS. Below mentioned table gives forex markup for most common spends | 2% |
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 45% | 3.75% |
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable) | 2.5% |
Reward Redemption Fees A reward redemption fee of ₹99 is charged for each redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1.8% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
Cheque Payment Fees A fee of ₹50 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹50 |
Cash Payment Fees ₹100 cash payment fee per deposit | ₹100 |
| Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1,000 | ₹500 |
| ₹1,001 - ₹5,000 | ₹600 |
| ₹5,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹900 |
| ₹25,001 - ₹50,000 | ₹1100 |
| ₹50,000 and above | ₹1300 |
TOP USPs
NeuCoins On Tata Brand Spends
provide 5% back as NeuCoins on non-EMI spends on Tata Neu and partner Tata brands.
NeuCoins On Other Spends
offer 1.5% back on non-Tata brand purchases, merchant EMI, and UPI spends, with UPI earnings capped at 500 NeuCoins per month.
Apply Now