The Tata Group has 30 companies across various verticals like hotels, airlines, fashion, health, jewellery, insurance, etc. Most of us make purchases regularly from some or the other Tata Group company. What if we get some value back from most Tata Group companies with a single credit card? The Tata Neu Infinity HDFC Bank Credit Card provides us up to 5% value back in the form of Neu Coins for purchases across most Tata Group companies. In this article, we will understand the features and benefits of this card, the fees, rewards structure, and whether you should take this card.
Tata Neu Infinity HDFC Bank Credit Card
- Welcome Benefit:
Welcome bonus of 1499 Neu Coins, applicable on 1st transaction done within 30 days of card issuance.
- Renewal Benefits:
Spend ₹3,00,000 or more in a year, before your Credit Card renewal date and get your renewal fee waived off.
- Usps:
Fuel Surcharge Waiver, domestic and international lounge access
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Overview
| Card type | Rewards credit card |
| Reward range | Up to 5% reward rate |
| Joining fee | ₹1,499 + Taxes |
| Welcome bonus | 1,499 Neu Coins (1 Neu Coin = ₹1) |
| Renewal fee | ₹1,499 + Taxes |
| Renewal benefit | Renewal fee waived on spending ₹3 Lakhs |
| Best for | Up to 5% value back for purchases with participating Tata Group companies |
| USP | Up to 5% value back, up to 1.5% on UPI, 1 Neu Coin = ₹1, complimentary domestic & international lounge access |
Fees & Benefits
The joining fee for the Tata Neu Infinity HDFC Bank Credit Card is ₹1,499 + Taxes.
- Joining fee: ₹1,499 + Taxes
- Welcome benefit: 1,499 Neu Coins (1 Neu Coin = ₹1)
The joining benefit is applicable on the 1st transaction done within 30 days of card issuance. It will be available to claim inside the Tata Neu App within 60 days of the 1st transaction. The validity of the Neu Coins given as a welcome benefit will be 365 days from the claim date. The welcome benefit is not applicable to lifetime free and first-year free cards.
The annual renewal fee on the card is also ₹1,499 + Taxes.
- Renewal fee: ₹1,499 + Taxes
- Renewal fee waiver: Spend ₹3,00,000 or more in the previous card anniversary year
Rewards Structure
The rewards structure of the Tata Neu Infinity HDFC Bank Credit Card is as follows:
1) 5% Neu Coins on Tata Neu & Eligible Partner Brands
The cardholder earns 5% Neu Coins on non-EMI spends done on the Tata Neu App/website and directly on partner Tata brands. The list of eligible Tata brands includes the following:
- Tata 1mg
- Bigbasket
- Croma
- Air India Express
- Tata CliQ
- IHCL (Taj group of hotels)
- Westside
- Qmin
- Food delivery through Tata Neu
- Tata Play
- Cult
- Tata Pay
- Titan
- Tanishq
- Air India
2) 1.5% Neu Coins on Other Spends
The cardholder earns 1.5% Neu Coins on:
- Non-EMI spends on non-Tata brands
- Any merchant EMI spends
3) Up to 1.5% Neu Coins on UPI Spends
On UPI payments, the rewards structure works in two parts:
- 0.5% Neu Coins: On UPI transactions made using any UPI ID, posted to your credit card account by HDFC Bank.
- Additional 1.0% Neu Coins: On eligible UPI payments made through the Tata Neu UPI ID, posted immediately to your Tata Neu (NeuPass) account. These Neu Coins will be available to use after 30 days.
Combined, this gives you up to 1.5% rewards on eligible UPI transactions.
Monthly cap: The maximum Neu Coins that can be earned in a calendar month (across categories) is 500.
Exclusions & Caps on Neu Coin Earnings
The following categories/transactions will not earn any Neu Coins:
- Fuel spends
- Wallet loads, gift/prepaid card loads, and purchase of vouchers
- Rent payments
- Government-related transactions
- Online skill-based gaming transactions
Additional limits to note:
- Education payments made through third-party apps like CRED, MobiKwik, etc., will not earn any Neu Coins. However, if the payment is made directly on the education institute’s website/App/POS machine, it will earn Neu Coins.
- Grocery spends: Maximum 2,000 Neu Coins per calendar month.
- Insurance premium payments: Maximum 2,000 Neu Coins per calendar month.
- Utility transactions: Maximum 2,000 Neu Coins per calendar month.
- Telecom and cable transactions: Maximum 2,000 Neu Coins per calendar month.
The earning of Neu Coins on the Tata Neu Infinity HDFC Bank Credit Card is subject to HDFC Bank’s fair usage policy.
Reward Redemption
The Neu Coins earned on the credit card are transferred to the cardholder’s NeuPass account within 7 working days of the statement generation.
- Redemption value: 1 Neu Coin = ₹1
- Redemption mode: Can be redeemed for purchases on the Tata Neu App/website or directly on partner Tata brand sites/apps
Online Redemption
You can redeem Neu Coins online for the following brands:
- Tata Neu
- Air India Express
- Bigbasket
- Croma
- IHCL hotels
- Tata CliQ
- Tata 1mg
- Titan/Tanishq
- Qmin
Offline Redemption
Neu Coins can also be redeemed at select offline stores for the following brands:
- Croma
- IHCL hotels
- Westside
Restrictions: Neu Coins cannot be used for bill payments on Tata Neu, Air India, and Tata Play.
Validity: Neu Coins earned on this card have a validity of 12 months from the end of the month in which they are credited to your Tata Neu account.
Additional Features
a) Complimentary Airport Lounge Access
The card offers complimentary domestic and international airport lounge access:
- Domestic: 8 complimentary visits per calendar year (2 per quarter). Requires a minimum spend of ₹50,000 or more in the previous calendar quarter.
- International: 4 complimentary visits per calendar year (1 per quarter) via Priority Pass (for Visa) or through the RuPay Global network. A $3.25 charge will be applied and reversed for complimentary access.
Lounge access benefit is availed as a lounge voucher, not through direct card swipe. Once you qualify, you will receive an SMS/email with a link to claim the lounge access voucher. A claimed voucher is valid for 180 days from issuance.
b) Fuel Surcharge Waiver
The card also offers a 1% fuel surcharge waiver:
- Applicable on fuel transactions between ₹400 and ₹5,000
- Available at all fuel stations across India
- Maximum surcharge waiver: ₹500 per statement cycle
How to Apply
The eligibility criteria for the Tata Neu Infinity HDFC Bank Credit Card are as follows.
For Salaried Individuals
- Age: 21–60 years
- Net monthly income: Above ₹1,00,000
For Self-Employed Individuals
- Age: 21–65 years
- ITR: More than ₹12,00,000 per annum
From time to time, as limited-period offers, the Tata Neu Infinity HDFC Bank Credit Card is offered on a Lifetime-Free (LTF) or First-Year Free (FTF) basis. For example, between 1st October 2024 and 31st December 2024, the card was offered on a lifetime-free (LTF) basis. Look for such offers, and check the offer terms before applying.
Optimal Use
The Tata Neu Infinity HDFC Bank Credit Card offers an up to 5% reward rate, which is decent. These benefits can be clubbed with the NeuPass benefits. The NeuPass offers up to 5% Neu Coins, based on the member’s tier, for orders placed through the Tata Neu App.
Individuals who hold the Tata Neu Plus HDFC Bank Credit Card or Tata Neu Infinity HDFC Bank Credit Card earn the 5% Neu Coins in their NeuPass on Tata Neu purchases, irrespective of their NeuPass tier. Thus, clubbing the 5% Neu Coins on NeuPass and up to 5% Neu Coins on the Tata Neu Infinity HDFC Bank Credit Card can lead to up to 10% benefits for the cardholder.
Tips to Maximise Rewards
Club Card & NeuPass Benefits: Always make your Tata brand purchases (Bigbasket, Croma, Tata 1mg, etc.) through the Tata Neu App using the credit card to get the combined benefit of up to 10% Neu Coins (5% from the card + up to 5% from NeuPass).
Use RuPay for UPI: Opt for the RuPay variant and use the Tata Neu UPI ID for all eligible UPI transactions to get the maximum 1.5% Neu Coin reward rate, especially for small daily transactions.
Target the Waiver: Plan your non-Tata spends to reach the ₹3 Lakh annual spending milestone before the renewal date to ensure your renewal fee is waived.
Domestic Lounge Access Strategy: Ensure you spend the qualifying amount of ₹50,000 or more in the preceding calendar quarter to unlock the complimentary domestic lounge access vouchers in the current quarter.
Utilise International Lounge Access: The 4 complimentary international lounge visits (via Priority Pass/RuPay Global) are a premium feature; utilise them for overseas travel.
Eligibility & Documents
For Salaried Individuals
- Age: 21–60 years
- Minimum Income: ₹1,00,000 per month
- Employment proof and recent salary slips
For Self-Employed Individuals
- Age: 21–65 years
- ITR: ₹12,00,000 or above annually
Common Documents Required
- PAN card
- Aadhaar card
- Recent passport-size photograph
- Income proof (salary slips/ITR)
- Address proof (utility bill, rental agreement, etc.)
Expert Verdict / Conclusion
The Tata Neu Infinity HDFC Bank Credit Card is a good card for most people, as they buy products and services regularly from Tata brands.
- High Value on Tata Ecosystem: By clubbing the up to 5% card benefits with the 5% NeuPass benefits, a cardholder can earn up to a 10% reward rate.
- Excellent Redemption Value: The Neu Coins can be easily redeemed across participating Tata brands at the value of 1 Neu Coin = ₹1.
- Premium Travel Benefits: It offers significant travel perks including 8 complimentary domestic and 4 international airport lounge accesses annually.
- All-Rounder Perks: The card also provides up to 1.5% rewards on UPI spends and a high ₹500 monthly cap on the 1% fuel surcharge waiver.
If you frequently purchase from Tata brands, travel regularly (domestically and internationally), and have high spending, this card is an excellent, high-value option.
Apply now: Click here to check your eligibility and apply for the Tata Neu Infinity HDFC Bank Credit Card.
FAQs
1. Is the renewal fee waived automatically?
Yes. If you spend ₹3,00,000 or more in the previous year, the renewal fee of ₹1,499 + Taxes is automatically waived.
2. Does the card offer a fuel surcharge waiver?
Yes. You get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹500 per statement cycle.
3. Do I need to have an HDFC Bank account to apply for this credit card?
No, having an HDFC Bank account is not mandatory to apply for the Tata Neu Infinity HDFC Bank Credit Card. You can apply as a non-HDFC Bank customer, provided you meet the minimum eligibility and documentation requirements.
4. How do I get my complimentary domestic lounge access?
The complimentary domestic lounge access is spend-based and provided via a voucher. You must spend ₹50,000 or more in the preceding calendar quarter to unlock the access for the current quarter. Once qualified, you will receive an SMS/email with a link to claim the lounge access voucher.
5. When does the welcome benefit (1,499 Neu Coins) get credited to my account?
The welcome benefit is credited upon payment of the joining fee and is applicable on the 1st transaction done within 30 days of card issuance. It will be available to claim inside the Tata Neu App within 60 days of the 1st transaction.