HDFC
Tata Neu Infinity RuPay Credit Card
Good fit for frequent travelers who value lounge access and low forex — ₹1,499 annual fee.
Top reasons to choose this card
- 8 domestic lounge visits, spend-gated
- ₹3L fee waiver
- Low 2% forex markup
What you'd do with it
- Competitive for day-to-day rewards with an estimated base return around 5%.
- Good fit when general spend is a regular spend category for you.
- Useful for travelers who need around 8 domestic lounge visits a year.
- Good for travel 2% forex · 2 per quarter lounge
- Moderate forex 2% forex markup
- Strong lounge access 2 per quarter domestic lounge
- High rewards 5 NeuCoins / ₹100 on General spend
Annual fee ₹1,499 per year
Forex markup 2% high
Lounge access 2 per quarter
Rewards / ₹100 5 NeuCoins ₹100
The catch Domestic: 2/quarter · requires ₹50,000 spend in the calendar quarter. Domestic lounge cap is 8 visits per year. International lounge cap is 4 visits per year.
- Fee waiver available
- Annual fee known
- Forex markup known
- 2 per quarter domestic lounge
- Airport lounge list may change
At a glance
Snapshot · usage · fitFast facts
- Annual fee
- ₹1,499 higher than 60 of 112 cards
- Joining fee
- ₹1,499
- Forex markup
- 2% lower than 71 of 111 cards
- Lounge access
- 2 per quarter domestic lounge
- Reward rate
- 5 NeuCoins / ₹100
Good fit for
- Good for travel
- Strong lounge access
- High rewards
- Supports UPI
Still worth it?
Evidence-backed snapshotGood fit if
- Fee waiver applies at ₹3,00,000 annual spend.
- Forex markup is low at 2%.
- Use this when the base earn rate is enough after checking caps, exclusions, and redemption terms.
Verify before applying
- Annual fee known
- Fee waiver available
- Forex markup known
- 2 per quarter domestic lounge
- Airport lounge list may change
- Monthly interest known
- Welcome benefit timing and claim process.
- Lounge terms to verify: 2 per quarter domestic lounge. Verify spend criteria, guest rules, and airport list before relying on it.
- Annual fee waiver terms and eligible spend exclusions.
- Issuer fees, GST, finance charges, and late-payment terms.
- Reward terms to verify: base earn is 5 points per ₹100. Cashback earn has structured caps. Still verify excluded categories.
Next best move
Compare with ICICI Bank MakeMyTrip Similar tier comparison Best HDFC credit cards See how this card compares within HDFC. Low forex credit cards Cards under the low-forex threshold. Forex ranking (verified) Compared on verified forex markup, then annual fee. Lounge access shortlist Discovery list of cards with cardholder lounge access. Lounge ranking (verified) Compared on verified lounge access, then annual fee. Best travel credit cards Cards suited for international spend and lounge-heavy travel.
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 at ₹3,00,000 annual spend. Verify eligible spend exclusions before counting on it.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Spending requirements
Spend gates · caps · milestone thresholdsRequirementAmountPeriodUnlocksRealismStrength
Annual fee waiver₹3,00,000yearAnnual fee waiverhighstrong
Lounge access spend gate₹50,000quarterLounge eligibilityreasonablestrong
Reward reality
Point value · limits · exclusionsVerified value₹1 per pointHeadline redemption
Limits/capsCashback earn has structured caps.
Reward rules
Structured earn rates · eligibility · caps when they bindScopeRateEligibilityLimit
General spend5 NeuCoins / ₹100——
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~2,500 NeuCoins/month (base earn · uses base/general earn rate)
- 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 factsBenefits
Lounge Access
- Domestic (cardholder)
- 2 per quarter — via RuPay lounge programme · verified 6 Jul 2026 Condition: ₹50,000 spend in the calendar quarter
5 sources agree · verify issuer terms before applying
Where to verify
- HDFC official page
- CardInsider
- PaisaBazaar
- BankBazaar
- Operator-verified anchor
- International (cardholder)
- Not included
5 sources agree · verify issuer terms before applying
Where to verify
- HDFC official page
- CardInsider
- PaisaBazaar
- BankBazaar
- Operator-verified anchor
- Tata Neu Plus/Infinity lounge milestone PDF
- Tata Neu Plus/Infinity lounge milestone PDF
Rewards
- Points per ₹100
- 5 NeuCoins value depends on redemption
- Headline point value
- ₹1.00 per NeuCoin (Headline redemption) · verified 5 Jul 2026 Operator-verified headline rate — full channel grid in Redemption value.
- Point validity
- Points expire 2 years after earning · verified 7 Jul 2026
Redemption value
- You earn
- NeuCoins
- Redemption
- ₹1.00 per NeuCoin · verified 5 Jul 2026
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
- Annual fee
- ₹1,499
- Joining fee
- ₹1,499
- Fee waiver spend
- ₹3,00,000 Above catalog median waiver (₹2,00,000 vs ₹3,00,000).
- Interest-free period
- Up to 50 days · verified 7 Jul 2026
International Use
- Forex markup
- 2%
6 sources agree · verify issuer terms before applying
Where to verify
- CardInsider
- PaisaBazaar
- BankBazaar
- CardExpert
- Shared HDFC Bank In
- Operator-verified anchor
- Issuer site (verify current terms) (opens in new tab)
- Product tier
- Mid-tier
Fuel Benefits
At the pump- 1% fuel surcharge waived on transactions ₹400–₹5,000.
- Maximum waiver ₹500 per statement cycle.
Annual fee break-even math
When does this card pay for itself ₹30K Break-even using base rewards to offset ₹1,499 fee
Base rewards only: at base earn rates, you need roughly ₹30K in yearly spend to offset the ₹1,499 annual fee.
Compare with similar cards
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The fine print
Caps · exclusions · sources · last refresh- Category cap: 10,000 RP per month · insurance transactions
- Category cap: 2000 Reward Points per calendar month · Utility transactions
- Statement cycle cap: 2,00,000 RP per statement cycle · Maximum earn limit
Expiry: 3 years, and Easy EMI cards/ PhonePe HDFC Bank Ultimo Credit Card/ PhonePe HDFC Bank Uno Credit Card on which reward points/ cash points are valid for 1 year
- Travel redemption: ₹99 redemption fee per redemption
- Annual fee: ₹1,499.
- Forex markup currently listed at 2%.
- 2 per quarter domestic lounge.