HDFC Bank has partnered with Tata Neu to introduce the Tata Neu Infinity Credit Card as one of the bank’s most premium offerings. The Tata Neu Infinity HDFC Credit Card is an upgraded version of the Tata Neu Plus HDFC Credit Card. If someone is fond of shopping, travel, and a lifestyle laden with various facilities, then the Tata Neu Infinity HDFC Bank Credit Card is a great option that can be obtained with a joining and annual fee of just ₹ 1,499.
With a reward rate of up to 10% in various categories, this is one of the best shopping credit cards available in the Indian market. Users will get 1,499 NeuCoins as a welcome gift on the Tata Neu App (as a reversal of 1st-year membership fees), and get their renewal fee waived on spends of ₹ 3,00,000 or more in a previous year. One can also get Air Accident Insurance coverage, Lost Card Liability coverage, complimentary access to domestic & international airport lounges, a 1% fuel surcharge waiver at all fuel stations across India & more.
Key Highlights of Tata Neu Infinity Credit Card
- An excellent choice for Tata services users, e.g. Air India, Tata Neu shopping, Tata group of hotels, etc
- Offers high reward points of up to 5% on Tata brand purchases and 1.5% on non Tata brand purchases. 1 neu coin = Rs.1 for all brands.
- Offers 8 domestic and 4 international complimentary lounge access.
- Foreign currency mark up fee is low compared to industry peers.
- 1.5% NeuCoins earned on UPI spends (applicable for RuPay variant only).
- Excellent alignment with Tata Neu App offers for accelerated Neu coin earnings.
- Use of Neu coins are limited to some items and they expire in 365 days.
HDFC Bank launched this card in collaboration with Tata Neu for premium life living users. This card can be an excellent choice for users using Tata services like travelling, shopping on Tata Neu app, hotels frequently.
| Key Highlights | Joining Fee | ₹ 1,499 + GST |
| Annual Fee/Renewal Fee | ₹ 1,499 + GST (renewal fee waived off on spends of ₹ 3,00,000 or more in a previous year) | |
| Best Suited For | Rewards and Travel | |
| Card Variant | Visa /RuPay | |
| Welcome Benefits | Get 1,499 NeuCoins as a welcome gift | |
| Reward Benefits | – 10% reward back as NeuCoins on Tata Neu – 5% back as NeuCoins on Non-EMI spends on Tata Neu and partner Tata Brands – 5% back as NeuCoins on every bill payment via Tata Neu – 1.5% back as NeuCoins on Non-Tata Brand spends – 1.5% back as NeuCoins on UPI spends | |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations across India | |
| Airport Lounge Access | – 8 Complimentary Domestic Lounge Access – 4 Complimentary international Lounge Access | |
| Insurance Benefits | Accidental air death cover worth ₹1 Crore |
Features and Benefits of Tata Neu Infinity Credit Card
| Benefits | Details |
|---|---|
| Welcome Benefits | Get 1,499 NeuCoins as a welcome gift on the Tata Neu App as a reversal of 1st year membership fees. Note- To redeem this Welcome Benefit, cardholders are required to make at least one transaction using their card within 30 days from the date of issuance of the card. Welcome Benefit is not applicable on Lifetime Free & First Year Free Cards. |
| Rewards Benefits (NeuCoins) | – Earn 10% NewCoins on Tata Neu (5% NeuCoins included with NeuPass subscription on select categories) – Earn 5% back as NeuCoins on Non-EMI spends on Tata Neu & partner Tata Brands – Earn 5% back as NeuCoins on every bill payment via Tata NeuEarn and 1.5% back as NeuCoins on Non-Tata Brand spends – Earn 1.5% back as NeuCoins on UPI spends via RuPay cards – Earn 0.5% back as NeuCoins on other UPI spends excluding wallet load, fuel, rent, and government spends |
| Insurance Benefits | –Accidental Air Death Cover worth ₹1 Crore –Lost Card Liability Covers up to ₹9 lakh –Emergency Overseas Hospitalization up to ₹15 lakhs |
| Complimentary Airport Lounge Access | – 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter) – 4 Complimentary International Lounge Access per calendar year (1 per Quarter) – Up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter) for add-on card members with Priority Pass |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 – ₹ 5,000 (Max waiver of ₹ 500 per statement cycle) |
| Contactless Payment | The card is built with contactless transaction features allowing faster, convenient, and secure payments Note– In India, a maximum of ₹ 5,000 is allowed for a single payment through contactless mode, where there is no need to enter your credit card PIN. However, for payments of ₹ 5,000 or more, you will need to enter your credit card PIN for security reasons. |
| Annual Fee Waiver | Renewal fee waived off on spends of ₹ 3,00,000 or more in a previous year |
Reward Redemption Process for Tata Neu Infinity Credit Card
Your earned Tata NeuCoins will be visible by selecting from the options of Tata Pay/NewCoins/Loyalty Redemption as a payment method that can be used only on eligible transactions as defined by the individual brand.
You can use earned NeuCoins for purchases on the Tata Neu app /Website for Brands like: Air India Express, Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings & Purchases on IHCL, TATA 1MG, Qmin, Titan and Tanishq (only via Tata Neu).
The reward point value is 1 NeuCoin = ₹1. This means each NeuCoin can be redeemed for ₹1.
NeuCoins expire after 365 days from the date of the most recent transaction that earned the coins.
Rewards Redemption Fee ₹99 per redemption request is Applicable.
Fees & Charges
| Types of Charges | Details |
| Joining Fee | ₹ 1,499 + taxes |
| Annual Fee/Renewal Fee | ₹ 1,499 + taxes (Renewal fee waived off on spends of ₹ 3,00,000 or more in a previous year) |
| Add-on Fee | Nil |
| Cash Advance Fee | A transaction fee of 2.5% or ₹ 500 whichever is higher would be levied on the amount withdrawn |
| Interest Rate/ Finance Charges | 3.75% monthly 45.0% annually |
| Late Payment Charges | For outstanding balance Charges- Balance up to Nil– Up to ₹ 100 ₹ 100– b/w ₹ 101 – ₹ 500 ₹ 500– b/w ₹ 501 – ₹ 1,000 ₹ 600– b/w ₹ 1,001 – ₹ 5,000 ₹ 750– b/w ₹ 5,001 – ₹ 10,000 ₹ 900– b/w ₹ 10,001 – ₹ 25,000 ₹1,100– b/w ₹ 25,001 – ₹ 50,000 ₹ 1,300– Above ₹ 50,000 |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 – ₹ 5,000 (Max waiver of ₹ 500 per statement cycle) |
| Foreign Currency Mark-Up Fee | 2% of the total transaction amount |
| Reward Redemption Fee | ₹ 99 |
| Interest Free Credit Period | The interest free credit period could range from 20 to 50 days subject to the plan |
| Priority Pass Lounge Charges | $ 27 |
| Cash Processing Fee | ₹ 100 |
| Balance Transfer Processing Charges | 1 % of balance transfer amount or ₹ 250, whichever is higher |
| Reissue of Lost, Stolen or Damaged Card | ₹ 100 |
| Payment Return Charges | 2% of Payment amount subject to minimum of ₹450 |
Priority Pass Membership
As soon as the Tata Neu Infinity HDFC Bank Visa Credit Card application is approved, a Priority Pass Membership card will be sent to your registered address. The validity of the Priority Pass card is 3 years from the date of issue. It can be used to access 1000+ airport lounges in over 90 countries to enjoy the privileges.
Click here to know about the SBI Pulse Credit Card.
Other Key factors
- 1 complimentary entry is allowed per calendar quarter
- Lounge visits outside India exceeding the complimentary visits will be charged US $27 + GST
- All guests visiting using Priority Pass will be charged US $27 + GST per guest per visit
- The charge will be billed to your credit card statement within 90 days of the lounge visit
- Any lounge visits outside the Priority Pass network will be charged at the discretion of the respective lounge
- Primary and Add-On Priority Pass Members can jointly enjoy a complimentary cap on Priority Pass
- US $27 + GST charges payable on visiting any lounge within India using Priority Pass
- The currency conversion rate will be applicable as per the prevailing rate on the billing date.
Eligibility Criteria for Tata Neu Infinity Credit Card
| Eligibility Criteria | Detail |
|---|---|
| Age | For salaried customers: Min 21 years & Max 60 years For self-employed customers: Min 21 years & Max 65 years |
| Gross Monthly Income | For salaried customers: Greater than ₹ 1 lakh For self-employed customers: ITR > ₹ 12 lakhs per annum |
| Credit Score | Have a handsome CIBIL score |
Required Documents
Applicants will be required to submit proof of identity, address and income for Tata Neu Infinity HDFC Bank Credit Card:
How to apply for Tata Neu Infinity Credit Card by HDFC Bank
To apply for a Tata Neu Infinity Credit Card, one can choose an online method or an In-person application method (offline)
Offline
- Visit your nearest HDFC Bank branch with appropriate documents like PAN, Aadhar and Income proof
- Take the application form & fill all required information
- Submit your application
Online
- Visit the official website of HDFC Bank
- Go to the Credit Card section & select Tata Neu Infinity
- Click on the Apply Now
- Submit basic details & complete all the other required formalities to receive provisional approval
- Complete your video KYC process using your smartphone, a well-lit room, and a stable mobile network connection. This is the final step to get the card.
Customer Care Service
One can contact Tata Neu Infinity HDFC Bank Credit Card customer care by-
Calling 1800-25-8282-638
Email at tataneucardsupport@hdfcbank.com
FAQs
Is a complimentary airport lounge access facility available on HDFC Tata Neu Infinity Credit Card?
Yes, 8 Complimentary Domestic Lounge Access per calendar year (2 in a quarter), 4 Complimentary International Lounge Access per calendar year (1 per Quarter) & up to 4 Complimentary International Lounge Access per calendar year (1 per Quarter) for add-on card member with Priority Pass is available on this card.
Is HDFC Tata Neu Infinity Credit Card lifetime free?
No, to get the Tata Neu Infinity HDFC Credit Card, the cardholder has to pay a joining fee of Rs 1,499 and an annual fee of Rs 1,499. However, you can avail a waiver of the annual fee by spending Rs 3 lakh within a year. Not only this, you also get a welcome benefit of 1,499 as NewCoins with this card, which is equivalent to Rs 1,499, which effectively compensates for the joining fee.
Which transactions don’t earn NeuCoins with Tata Neu Infinity Credit Card?
You can’t earn NeuCoins on some selective spends i.e. fuel purchases, rental payments, government-related expenses, wallet loads, outstanding bill payments and EMI transactions, voucher purchases & cash advances.
How to check the status of NeuCoins earned on the Tata Neu Infinity Credit Card?
NeuCoins earned on your purchases made via Tata Neu Credit Card by HDFC Bank will be credited to Tata Neu within 7 business days of your statement generation.
One can check the NeuCoins balance status as follows:
Go to Tata New Home Page >> NewPass >> View Details, you can check the statement: “Tata New HDFC Bank Credit Card – Last Billing Cycle NewCoins”.
What is the value of 1 NeuCoin?
Each NeuCoin is equal to ₹1 & can be used seamlessly across eligible Tata brands.
Are Priority Pass membership privileges available for add-on members as well?
Yes, Primary and Add-On Priority Pass Members can jointly enjoy a complimentary cap on Priority Pass.
What is the personal accident cover on this card?
Accidental Air Death Cover worth ₹1 Crore is available on the Tata Neu Infinity HDFC Credit Card.
