Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank RuPayWelcome Bonus: 1499
Lounge Access: 8 domestic lounge visits per year (2 per quarter on ₹50,000 spend), 4 international visits per year
Fuel Surcharge: Yes
| Minimum Income | ₹1,00,000 per month (Salaried) / ₹12,00,000 per annum ITR (Self-employed) |
|---|---|
| Credit Score | 750+ |
| Employment Type | Salaried Self-employed Business |
5% NeuCoins on all Tata brand transactions
1.5% NeuCoins on UPI transactions (RuPay variant)
1.5% on all other eligible spends
Comprehensive insurance coverage (₹1 crore air accident, ₹15 lakh hospitalization)
Wide redemption across Tata ecosystem (BigBasket, Westside, Air India, Croma, etc.)
Welcome benefit offsets first year fee
Milestone-based lounge access
Rewards capped in specific categories (groceries: 2,000 NeuCoins/month)
NeuCoins expire after 12 months (from August 2025)
Benefits limited primarily to Tata ecosystem
Lounge access is milestone-based, not automatic
The Tata Neu Infinity HDFC Bank RuPay Credit Card is a premium co-branded offering designed for frequent shoppers within the extensive Tata ecosystem. This card stands out with its exceptional reward structure, offering up to 10% value back in NeuCoins on select Tata Neu purchases and 5% on all Tata brand spends including BigBasket groceries, Westside fashion, Croma electronics, Air India flights, and Tata 1mg medicines. The RuPay variant provides an additional advantage of earning 1.5% NeuCoins on UPI transactions, making it ideal for digital-first consumers.
See Also: Best UPI Credit Card Comparison
With a redemption value of 1 NeuCoin = ₹1, the rewards are straightforward and valuable. The card also offers robust travel benefits including domestic and international lounge access (though now milestone-based), along with comprehensive insurance coverage worth up to ₹1 crore. While the ₹1,499 annual fee might seem steep, the welcome benefit of equivalent NeuCoins effectively makes the first year free, and regular Tata ecosystem shoppers can easily justify the cost through accumulated rewards and benefits.