Tata Neu Infinity

Joining ₹1,499 · Annual ₹1,499 · Renewal fee waived on ₹3,00,000 spend in the previous anniversary year (official HDFC FAQ and MITC). Tata Neu Plus needs only ₹1,00,000.

Fee break-even: ≈₹99,933/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns NeuCoins · assumed 1 ₹/point. 1 NeuCoin = ₹1, but only inside the Tata ecosystem. Via Tata Pay at Tata Neu, Air India Express, BigBasket, Croma and IHCL hotels. Via a 'Use my NeuCoins' option at Tata CLiQ and Tata 1mg (and Titan/Tanishq only through Tata Neu). And in-store at Croma, IHCL and Westside. NeuCoins CANNOT currently be redeemed on Air India, Tata Play, or bill payments on Tata Neu. There is no cash-out route, so the ₹1 value only holds if you genuinely shop at Tata brands. Since 1 Aug 2025 NeuCoins expire 12 months from the end of the month they are credited to your Tata Neu account (including the lock period). E.g. Credited 5 Aug 2025, dead 31 Aug 2026. NeuCoins are computed on multiples of ₹100 and rounded DOWN, with fractions forfeited.

Verified 10 Aug 2026

Forex markup2%

GolfNone

ConciergeNone

EMI₹99 to ₹699 plus GST at a merchant, up to ₹849 plus GST converting a statement balance processing fee · Rewards still accrue on a shop conversion · HDFC's fee follows the merchant and the scheme rather than your card, so the same tenure can cost ₹99 at one shop and ₹699 at another. It is not refunded if you cancel or pre close. Cancelling inside 7 days is free, after that pre closing costs 3% of the principal left plus GST. · SmartEMI and Dial-an-EMI accrue nothing. Merchant, brand and aggregator EMI still earn 1.5% but on principal only

Fuel surcharge1% on transactions of ₹400 to ₹5,000, capped ₹500 per statement cycle

Domestic lounge8 a year. SPEND-GATED AND VOUCHER-BASED SINCE 10 JUNE 2025. 2 domestic lounge access vouchers per calendar quarter (max 8/year), released only on ₹50,000 or more of net spend in that calendar quarter. Tata Neu Plus gets 1 voucher/quarter on the same ₹50,000 bar. Complimentary direct swipe-in access was discontinued at 23:59:59 on 11 June 2025. On qualifying you get an SMS/email from GyFTR within 30 working days, must claim the voucher within 120 days, and the claimed voucher is valid 180 days. Only the monthly EMI principal billed counts toward the ₹50,000, and a reversal from a prior quarter is deducted from the current quarter's target.

International lounge4 a year. 4 complimentary visits per year, maximum 1 per calendar quarter, shared between the primary and one add-on member. On the Visa variant this runs through Priority Pass, which is issued only on request. On the RuPay variant the card is used directly at the lounge. Beyond the 4 visits it is US$27 + GST per person per visit. Tata Neu Plus has no international lounge benefit at all.

Return by category

Category	Return	Notes
Online spend	1.5%	Base rate
Amazon	1.5%	Base rate
Flipkart	1.5%	Base rate
Subscriptions & OTT	1.5%	Base rate
Offline spend	1.5%	Base rate
UPI spending	1.5%	500 NeuCoins per calendar month. The total across both components · RuPay variant only. The Visa variant cannot be linked to UPI. Since 1 Aug 2024 the earn is split: 0.50% back for a UPI payment made with ANY UPI ID (Google Pay, PhonePe, CRED etc.), credited by the bank to the card account within ~5 working days. Plus an ADDITIONAL 1%. So 1.5% in total. Only if the payment is made with a Tata Neu UPI ID created in the Tata Neu app, credited to the Tata Neu account in ~10 working days and usable only 30 days after that. Crucially, a UPI payment at a partner Tata brand does NOT get the 5% partner rate. UPI is explicitly carved out of that benefit. UPI collect requests from other platforms do qualify, provided the Tata Neu UPI ID is used.
Dining	1.5%	Base rate
Swiggy	1.5%	Base rate
Zomato	1.5%	Base rate
Groceries	1.5%	5% only at BigBasket, which is a partner Tata brand (1.5% base + 3.5% accelerated). Every other grocer earns the base 1.5%. Tata Neu Plus gets just 2% at Tata brands, so this is the single biggest gap between the two cards. HDFC does not state whether BigBasket's base 1.5% is charged against the grocery cap while the 3.5% sits under the partner fair-usage policy, so both ceilings are recorded rather than a single invented one.
Quick commerce	1.5%	Uses its groceries rate
Swiggy Instamart	1.5%	Base rate
Blinkit	1.5%	Base rate
BigBasket	5%	2,000 NeuCoins per calendar month on the grocery-MCC base accrual. The 3.5% partner accelerator is separately governed by the partner-brand fair usage policy · 5% only at BigBasket, which is a partner Tata brand (1.5% base + 3.5% accelerated). Every other grocer earns the base 1.5%. Tata Neu Plus gets just 2% at Tata brands, so this is the single biggest gap between the two cards. HDFC does not state whether BigBasket's base 1.5% is charged against the grocery cap while the 3.5% sits under the partner fair-usage policy, so both ceilings are recorded rather than a single invented one.
Movies & shows	1.5%	Base rate
BookMyShow	1.5%	Base rate
PVR INOX	1.5%	Base rate
Fuel	0%	Fuel spends accrue no NeuCoins. Plus a 1% fee on the whole transaction once monthly fuel spend exceeds ₹15,000 (capped ₹4,999 per transaction)
Travel (general)	1.5%	Base rate
Flights	5%	Partner-brand fair usage policy · Air India and Air India Express are partner Tata brands, so bookings earn 5%. Note the asymmetry: you earn NeuCoins on Air India but cannot currently redeem NeuCoins on Air India (Air India Express redemption via Tata Pay does work).
Hotels	5%	Partner-brand fair usage policy (community-reported ceiling around ₹30 lakh/year of IHCL spend, unconfirmed against an HDFC document) · IHCL properties. Taj, Vivanta, SeleQtions, Gateway. Plus Qmin, all partner Tata brands. IHCL NeuCoins also get a rolling expiry: each new IHCL transaction extends IHCL-earned NeuCoins by 12 months from the end of that month.
MakeMyTrip	1.5%	Base rate
IRCTC rail	1.5%	Base rate
International	−0.5%	1.5% reward − 2% forex markup
Utilities & bills	1.5%	2,000 NeuCoins per calendar month, with a separate 2,000 NeuCoins per calendar month cap for telecom & cable · Utility and telecom/cable bills earn the plain 1.5%, NOT 5%. The official HDFC FAQ lists them as base-rate categories even when paid through Tata Pay, contradicting several review sites. HDFC additionally levies 1% on the whole month's utility spend once it exceeds ₹50,000 in a calendar month (capped ₹4,999/month).
Rent	0%	Rental transactions accrue no NeuCoins. 1% fee on every rent transaction (capped ₹4,999 per transaction)
Education fees	1.5%	Earns the base rate when paid directly on the college/school website or at their POS. Payments through third-party apps (CRED, Cheq, MobiKwik) earn nothing, and attract a 1% fee capped ₹4,999 per transaction.
Insurance premiums	1.5%	2,000 NeuCoins per calendar month · Official HDFC FAQ (updated 7 Jan 2026) states 2,000 NeuCoins per MONTH. Several published reviews still say 2,000 per day, which is the pre-July-2025 rule.
Government & tax	0%	Government-related transactions accrue no NeuCoins
Wallet loads	0%	Wallet loads, gift/prepaid card loads and voucher purchases accrue nothing. 1% fee once monthly wallet loads exceed ₹10,000, PayZapp excluded (capped ₹4,999/month)
Anything else	1.5%	Base rate
Jewellery	5%	Partner-brand fair usage policy (community-reported ceiling around ₹18 lakh/year of Titan/Tanishq spend, unconfirmed against an HDFC document) · Titan and Tanishq are partner Tata brands: 1.5% base + 3.5% accelerated. NeuCoins earned here can only be spent back at Titan/Tanishq through the Tata Neu app.

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Welcome benefit: 1,499 NeuCoins, framed as a reversal of the first-year fee, given by Tata Digital inside the Tata Neu app. Triggered by the first transaction within 30 days of card issuance, claimable in the app for 180 days from that statement date, and the NeuCoins then live 365 days from the claim date. Lifetime-free and first-year-free cards are NOT eligible.
5% on partner Tata brands is officially built as 1.5% base + 3.5% additional NeuCoins. Eligible partner brands: Tata Neu, Air India, Air India Express, BigBasket, Croma, Tata 1mg, Tata CLiQ, Westside, Titan, Tanishq, IHCL hotels (Taj, Vivanta, SeleQtions, Gateway), Qmin, Tata Play and Cult. Accelerated NeuCoins are matched on merchant MID/TID, so an unregistered terminal silently pays only the base 1.5%. Since 26 Dec 2025 the 3.5% posts the day after settlement instead of once a month.
NeuPass extra 5%. Read the fine print. This is a Tata Neu loyalty benefit, not a card benefit: an additional 5% NeuCoins on selected categories bought on the Tata Neu app/website, which is what produces the headline 'up to 10%' on Tata Neu. Since 15 Jan 2025 it pays out only for transactions made through the PRIMARY cardholder's own Tata Neu account (the mobile number on the credit card application) using the Tata Neu HDFC card. Add-on cardholders, a spouse's Tata Neu account, or a mismatched mobile number all forfeit it.
Monthly NeuCoin caps to plan around, all per calendar month: grocery 2,000, insurance 2,000, utility 2,000, telecom & cable 2,000, UPI 500. Overall fair usage 50,000 NeuCoins per statement cycle for categories with no cap of their own. Note these are CALENDAR-month caps, while the fair-usage ceiling is per statement cycle.
How Infinity differs from Tata Neu Plus, which is already in the catalogue: base rate 1.5% vs 1%. Partner Tata brands 5% vs 2%. 2 domestic lounge vouchers per quarter (8/year) vs 1 per quarter (4/year). 4 international lounge visits/year vs none. Forex 2% vs 3.5%. Fee ₹1,499 vs ₹499 with waiver at ₹3 lakh vs ₹1 lakh. Fair-usage ceiling 50,000 vs 25,000 NeuCoins per statement cycle. Grocery/utility/telecom/insurance caps of 2,000 NeuCoins each on Infinity are higher than Plus's. The Tata Neu HDFC programme crossed 2 million issuances in March 2025, with Infinity the flagship half.
Revolving interest is 3.75% per month on this card per HDFC's own FAQ (that is the retail APR, not an EMI conversion rate).
Bank-wide HDFC fees, separate from the NeuCoin exclusions: 1% on every rent transaction (cap ₹4,999/txn). 1% on total monthly wallet loads above ₹10,000, PayZapp excluded (cap ₹4,999/month). 1% on the full fuel transaction once monthly fuel spend exceeds ₹15,000 for consumer cards, ₹30,000 for business cards (cap ₹4,999/txn). 1% on the whole month's utility spend above ₹50,000 (cap ₹4,999/month). 1% on education via third-party apps (cap ₹4,999/txn). 1% on online skill-based gaming above ₹10,000/month (cap ₹4,999/month).
Housekeeping: NeuCoins transfer from the bank to the Tata Neu app within 7 working days of statement generation. Changing variant (Infinity to Plus or back) or switching franchise between RuPay and Visa forfeits accelerated NeuCoins on unbilled transactions from the old card. A card reissuance fee of ₹199 applies to non-metal cards.

Other exclusions

SmartEMI and Dial-an-EMI accrue nothing. Merchant, brand and aggregator EMI still earn 1.5% but on principal only
Online skill-based gaming (MCC 5816) accrues nothing, plus a 1% fee above ₹10,000/calendar month
Gift card, prepaid card and voucher purchases are an explicit NeuCoin exclusion category
Cash advances, payment of outstanding balances and payment of card fees/charges all accrue nothing

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 10 Aug 2026.

Tata Neu Infinity

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Also worth knowing

Other exclusions

Sources

Other HDFC Bank cards