RewardMatrix

Tata Neu Infinity

The Tata Neu Infinity HDFC Bank Credit Card offers 5% NeuCoins on Tata Neu and partner brands, 1.5% on other spends, and UPI transactions. It also provides airport lounge access and fuel surcharge waivers.

Tata Neu Infinity

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Intro Offer

1499 NeuCoins (as reversal of 1st Year Membership Fees)

Annual Fees

₹1499

Joining Fees

₹0

Reward Rate

1.50 - 5.00 %

RewardMatrix Rating

4.7

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Who should get this card

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Card Overview

The Tata Neu Infinity HDFC Bank Credit Card is a premium rewards card that caters to frequent shoppers within the Tata ecosystem. Its key strength lies in the 5% NeuCoins earned on purchases from Tata Neu and its partner brands, which include popular names like Croma, BigBasket, 1mg, Air India, and more. NeuCoins can be redeemed at a 1:1 value for various products and services within the Tata network. Beyond the Tata ecosystem, the card offers a respectable 1.5% back as NeuCoins on other retail spends and eligible UPI transactions, making it a versatile option for everyday purchases. The card also comes with travel perks, including complimentary domestic and international airport lounge access. A fuel surcharge waiver further enhances its value proposition for those who frequently use their cards at petrol pumps. While the annual fee is applicable from the second year onwards, it can be waived off by meeting the specified spending criteria. The card is available in both Visa and RuPay variants, with the RuPay version offering UPI functionality. Overall, the Tata Neu Infinity HDFC Bank Credit Card is a compelling choice for those deeply embedded in the Tata ecosystem. The high reward rate on Tata brand purchases, combined with the additional benefits and redemption flexibility, makes it a valuable addition to the wallet of a Tata loyalist. However, those who primarily shop outside the Tata network might find other reward cards more lucrative.

Intro Offers

1499 NeuCoins (as reversal of 1st Year Membership Fees)

Condition: First transaction within 30 days of card issuance, claimable within 60 days of the transaction on Tata Neu app.

Fees

Annual Fee

₹1.5K

Waived off after spending ₹3L

Joining Fee

₹0

Forex Fee

Eligibility

#1
Income Requirement
Salaried: ₹1 Lakh p.m. Self-employed: ITR > ₹12 Lakh p.a.
#2
Credit Score
A good credit score is required.

Reward Points

Total monthly non-EMI spend on partner Tata brands

1.00 NeuCoins for every ₹20 spent

Total monthly spend on non-partner brands (excluding exclusions)

3.00 NeuCoins for every ₹200 spent

Total monthly UPI spend

3.00 NeuCoins for every ₹200 spent

Examples:

Spending ₹10,000 at Croma earns you 500 NeuCoins (5%).
Spending ₹5,000 on groceries at BigBasket earns you 250 NeuCoins (5%).
A ₹2,000 utility bill payment via Tata Neu earns you 100 NeuCoins (5%).
Spending ₹1,000 at a non-partner store earns you 15 NeuCoins (1.5%).
₹5,000 spent via UPI earns you 25 NeuCoins (0.5%) or 75 NeuCoins (1.5%) if using Tata Neu UPI ID.

Exclusions:

Fuel

Wallet loads / Gift or Prepaid Card load / Voucher purchase

Cash Advances

Payment of Outstanding Balances

Payment of card fees and other charges

Smart EMI / Dial an EMI transaction

Rental Transactions

Government related transactions

Education payments via third-party apps

Milestones

No milestones available for this card.

Redemptions

AIRLINE PARTNERS

List of conversion options of airline partners.
Airline Partner	Conversion Rate	Multiplier
Air India	1 NeuCoin = 1 INR towards Air India flights	x1
Air India Express	1 NeuCoin = 1 INR towards Air India Express flights	x1

HOTEL PARTNERS

List of conversion options of hotel partners.
Hotel Partner	Conversion Rate	Multiplier
IHCL Hotels	1 NeuCoin = 1 INR towards IHCL hotel stays	x1

Rewards Calculator

ON MONTHLY SPEND

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60KYour monthly expenditure

Total monthly non-EMI spend on partner Tata brands (₹)

5.00% rewards

Total monthly spend on non-partner brands (excluding exclusions) (₹)

1.50% rewards

Total monthly UPI spend (₹)

1.50% rewards

REWARD POINTS EARNED

0 NeuCoins earned per year

POINT REDEMPTION OPTIONS

0 Airline miles

0 Hotel points

Lounge Access

Domestic

2 complimentary domestic lounge visits per quarter.

International

Up to 4 complimentary international lounge visits per year (1 per calendar quarter) via Priority Pass (Visa variant) or Rupay network.

Discounts

Dining

No Dining discounts on this card

Fuel

1% fuel surcharge waiver

Conditions:

Minimum transaction of ₹400
Maximum transaction of ₹5,000
Maximum waiver of ₹500 per statement cycle

Movie

No Movie discounts on this card

Insurance Coverage

No insurance coverage available on this card.

Other Features

EMI Conversion

Available

Fraud Protection

Zero Lost Card Liability

Pros & Cons

PROS

High Rewards on Tata Spends
Earn 5% NeuCoins on purchases from Tata Neu and partner brands.
UPI Rewards
Earn up to 1.5% NeuCoins on UPI transactions (RuPay variant).
Lounge Access
Enjoy complimentary domestic and international airport lounge access.
Fuel Surcharge Waiver
Save on fuel expenses with a 1% surcharge waiver.

CONS

Annual Fee
An annual fee of ₹1499+GST applies from the second year onwards (waived on spending ₹3 Lakh annually).
Limited Benefits Outside Tata Ecosystem
Rewards on non-Tata spends are lower compared to some other cards.

Who should get this card

This card is ideal for individuals who frequently shop within the Tata ecosystem and want to maximize their rewards on those purchases. It's also a good option for those looking for a card with a decent return on general spending and UPI transactions, combined with travel and fuel benefits.