HDFC

Tata Neu Infinity RuPay Credit Card

Good for online shopping across multiple brands.

Should you get this?

Strong fit

Verified

Why this card

  • Forex markup is low at 2%.
  • 5 NeuCoins/₹100 on eligible bigBasket, croma, cult.fit, and tata CLiQ
  • 2 per quarter domestic lounge.
Issuer evidence · 4 sources →

Trade-off

The annual fee (₹1,499) is waived only when eligible annual spend reaches ₹3,00,000.

Annual fee ₹1,499 per year
Rewards 1.5 NeuCoins / ₹100
Lounge milestone ₹50,000 spend / quarter → voucher option
Forex markup 2% low
Compare with ICICI Bank MakeMyTrip →

Similar tier comparison

What it costs to get, and to keep

Joining vs renewal

First year

₹1,499joining fee

From year 2

₹1,499renewal fee

Waived above ₹3,00,000 eligible annual spend

Welcome offer

Welcome Benefit of 1,499 NeuCoins

Tata Neu

Qualification and fulfilment conditions apply

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend1.5 NeuCoins / ₹100Credited as reward points—
BigBasket (domestic)5 NeuCoins / ₹100Credited as reward points—
Croma (domestic)5 NeuCoins / ₹100Credited as reward points—
Cult.fit (domestic)5 NeuCoins / ₹100Credited as reward points—
Show all 9 earning rules (5 more)
Tata CLiQ (domestic)5 NeuCoins / ₹100Credited as reward points—
Grocery1.5 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
Insurance1.5 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
Telecom1.5 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend
Utilities1.5 NeuCoins / ₹100Credited as reward points2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend

Redemption value

What a NeuCoin is worth

  1. Catalogue₹1 / pt

When does this card pay for itself?

Rewards break-even estimate
₹1L

Conservative yearly spend needed at the ₹1-per-point ranking floor.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

1.5 NeuCoins per ₹100 on eligible spend

Verified value

₹1 per point

Catalogue

Caps

  • Grocery2,000 NeuCoins per month
    Why?

    at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend

  • Insurance2,000 NeuCoins per month
    Why?

    at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend

  • Telecom2,000 NeuCoins per month
    Why?

    at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend

View full earning rules →

Realisation

Credited as reward points

Costs & fees

Eligibility

Applicant class · age · income

Reported criteria · as stated by sources

Salaried applicant

Net monthly income
Above ₹20secondary
Net monthly income
Above ₹1,00,000secondary
Minimum age
21 years or olderissuer-stated
Gross monthly income
Above ₹1,00,000issuer-stated

Sources disagree on threshold wording for net monthly income — the rows above state one requirement two ways, not two requirements.

Attestation differs per figure — see each tag

Self-employed applicant

Annual ITR
Above ₹12,00,000
Minimum age
21 years or older

Issuer-stated · not yet decision-readyIssuer source + 1 other source · Issuer source

Evidence only · excluded from decisions

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹3,00,000yearAnnual fee waiver
Domestic lounge spend gate₹50,000quarterLounge eligibility

Reported but unverified

Evidence · not used as this card's figures
Renewal fee
₹1,499Reported by secondary sources · verify with issuer · 1 source

Evidence only · excluded from decisions

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (1.5 NeuCoins / ₹100). Up to ~750 NeuCoins/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • Worth ~₹750 at the conservative redemption floor
  • Fee waiver achievable at this spend
  • Forex cost ~₹1,000 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
2 per quarter — via RuPay lounge programme · verified 6 Jul 2026 Condition: ₹50,000 spend in the calendar quarter

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
  • HDFC official page
  • CardInsider
  • PaisaBazaar
  • BankBazaar
  • Operator-verified anchor
  • Shared HDFC Bank In
International (cardholder)
Not included on base card No international lounge access.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
  • HDFC official page
  • CardInsider
  • PaisaBazaar
  • BankBazaar
  • Operator-verified anchor
  • Shared HDFC Bank In
Tata Neu Plus/Infinity lounge milestone PDF , opens external site

Rewards

Base earn
1.5 NeuCoins per ₹100 value depends on redemption
Effective return (honest floor)
~1.5% base (conservative redemption) · verified 24 Jul 2026 Conservative redemption floor; best documented path is not ranked on.
Headline point value
₹1.00 per NeuCoin (Catalogue) · verified 24 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
Point validity
Points expire 1 year after earning · verified 24 Jul 2026 Short validity — redeem before points lapse.

Insurance Cover

Air accident cover
₹1 crore · verified 5 Jul 2026
Emergency medical cover
₹15 lakh · verified 5 Jul 2026
Lost card liability cover
₹9 lakh · verified 5 Jul 2026
Underwriter
Insured by HDFC ERGO General Insurance Company Limited · verified 7 Jul 2026
Fees & charges

Fees

Monthly interest rate
3.75% / month
First-year cost
₹1,499 · verified 3 Sept 2026
Annual fee
₹1,499
Joining fee
₹1,499 · verified 3 Sept 2026
Fee waiver spend
₹3,00,000 or more · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend of ₹3,00,000 or more.
Interest-free period
Up to 50 days · verified 7 Jul 2026
Late-payment charge
₹100–₹1,300 depending on outstanding balance Exact charge depends on your outstanding balance per issuer tiers.

International Use

Forex markup
2%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Mid-tier

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹400–₹5,000.
  • Maximum waiver ₹500 per month.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
SIDE BY SIDE
HDFC Bank Tata Neu Infinity RuPay
vs
ICICI Bank MakeMyTrip
SIDE BY SIDE
HDFC Bank Tata Neu Infinity RuPay
vs
SBI Card Tata Neu Infinity
SIDE BY SIDE
HDFC Bank Tata Neu Infinity RuPay
vs
HSBC India Live+
SIDE BY SIDE
HDFC Bank Tata Neu Infinity RuPay
vs
Axis Bank IndianOil Axis Bank Premium RuPay

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Grocery cap: 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend.
  • Insurance cap: 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend.
  • Telecom cap: 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend.
  • Utilities cap: 2,000 NeuCoins per month; at 1.5 NeuCoins / ₹100, this lane reaches the cap at ~₹1.3 lakh of eligible spend.
  • After the Grocery cap is reached, further spending in that lane earns no rewards.
  • After the Insurance cap is reached, further spending in that lane earns no rewards.
  • After the Telecom cap is reached, further spending in that lane earns no rewards.
  • After the Utilities cap is reached, further spending in that lane earns no rewards.
Exclusions: 8

These spends do not earn reward points.

Payments

  • Rent
  • Government payments

Financial

  • Fuel
  • Wallet loads
  • Cash advances
  • EMI

Shopping

  • Online gaming

Other

  • NeuCoins Gift or Prepaid Card load/ Voucher purchase

Latest update

  • First-year cost: ₹1,499.
  • Annual fee: ₹1,499.
  • Forex markup currently listed at 2%.
  • 2 per quarter domestic lounge · ₹50,000 spend in the calendar quarter.

Common questions

From verified card facts

Is this good for lounge access?

2 per quarter domestic lounge. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 2%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

Fee waiver applies on eligible annual spend of ₹3,00,000 or more. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Welcome Benefit of 1,499 NeuCoins. Included items: Tata Neu — Card T&C: Welcome Benefit of 1,499 NeuCoins (as reversal of 1st Year Membership Fees) on 1st transaction within 30 days of card issuance; claim in Tata Neu App within 60 days. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

All guides →
Last refreshed 10 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

Money Matters is an independent comparison and information service. It is not affiliated with, sponsored by, or endorsed by any bank or card issuer. Card and issuer names are trademarks of their respective owners and are used here only to identify the products being compared.