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Tata Neu Infinity HDFC Card
shopping
HDFC Bank · Core

Tata Neu Infinity HDFC Card

shopping 5% on Online Shopping 8 lounge visits
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The bottom line
First-year value
+₹7,381.00
incl. joining fee
Ongoing / yr
+₹7,381.00
after ₹1,499.00 fee
Fee payback
~3 mo
rewards cover the fee

Why it fits: your spend is 18% in this card's accelerated categories — strongest on Online Shopping, worth about ₹740/month back on online shopping.

Estimated on an illustrative spend profile. Use the calculator below to match your own.

What would this card earn you?

Monthly spend₹82,400
₹32,960Your spend₹1,64,800
Annual reward
₹8,880
Annual fee
₹1,499
Net value
+₹7,381
View category breakdown
Online Shopping₹8,880/yr@ 5%

Reward rates

Online Shopping5 %

Key facts

Annual fee
₹1,499.00
Joining fee
₹1,499.00
Interest (p.m.)
3.49%
Forex markup
2%
Domestic lounge
8/yr
Intl lounge
4/yr
Fuel waiver
1% (₹250/mo cap)
Min CIBIL
750+

Welcome benefit

1,499 NeuCoins on card activation

Key Fact Statement

As required by RBI circular RBI/2023-24/53 · auto-generated from live issuer data

RBI KFS
ParameterValueNote
Loan/credit productHDFC Bank Tata Neu Infinity HDFC Card Credit CardProduct name
Annual Percentage Rate (APR)41.88% p.a.Effective cost of credit on outstanding balance
Monthly finance charge3.49% per month on outstandingApplied after interest-free period lapses
Interest-free periodUp to 50 days (if full due paid by due date)No interest when bill settled in full each cycle
Annual fee / joining fee₹1,499 joining · ₹1,499 annualCharged on first statement and each anniversary
Minimum amount due (MAD)5% of total outstanding or ₹200 (whichever is higher)Paying only MAD incurs finance charge on remaining balance
Late payment charge₹100–₹1,300 depending on outstanding amountLevied if MAD not paid by due date
Cash advance fee2.5% of amount or ₹500 (whichever is higher)Plus finance charge from day of withdrawal
Forex markup fee2.00% on international / foreign-currency transactionsOver and above the card network exchange rate
Over-limit fee2.5% of over-limit amount or ₹550 (whichever is higher)If spend exceeds sanctioned credit limit
Representative example₹10,000 outstanding for 12 months at 3.49%/month = total repayable ₹12,411 (APR 41.88%)
Rates and charges are indicative and sourced from the issuing bank's Schedule of Charges. Actual charges are determined solely by the issuing bank at the time of sanction. This KFS is auto-generated by Naxelona and does not constitute an offer of credit. Credit is subject to the issuing bank's credit assessment and eligibility criteria.
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Overview

The Tata Neu Infinity HDFC Card is a co-branded shopping credit card issued by HDFC Bank in partnership with Tata Neu, designed for online shoppers who want meaningful rewards on everyday digital purchases. With a straightforward NeuCoins reward structure, complimentary lounge access, and a competitive forex markup, this card caters to digitally active consumers in India. It carries a joining and annual fee of ₹1,499 each, making it a mid-tier option in the shopping credit card segment.

Key benefits

Key Benefits

  • Welcome Benefit: Receive 1,499 NeuCoins upon card activation, equivalent in value to ₹1,499 when redeemed on the Tata Neu platform.
  • Domestic Lounge Access: Enjoy 8 complimentary domestic airport lounge visits per year (terms apply on number of visits per quarter).
  • International Lounge Access: Get 4 complimentary international airport lounge visits per year.
  • Fuel Surcharge Waiver: Avail a 1% fuel surcharge waiver at fuel stations across India, capped at ₹250 per billing month.
  • Forex Markup: A relatively competitive 2% foreign currency markup fee on international transactions.

Rewards

Rewards Programme

  • 5% back as NeuCoins on eligible online shopping transactions.
  • NeuCoins are redeemable on the Tata Neu super-app across Tata brands including BigBasket, Croma, Tata CLiQ, Air Asia India (operated by Tata), and more.
  • 1 NeuCoin = ₹1 in redemption value on the Tata Neu platform (subject to Tata Neu's redemption policy).
  • Rewards are credited as NeuCoins; no cash-back or direct statement credit is available under the standard reward structure.
  • Reward accrual is subject to merchant category eligibility and HDFC Bank's terms; certain categories such as fuel, EMI transactions, and cash withdrawals may be excluded.

Fees & charges

Fees & Charges

| Fee Type | Amount |
|---|---|
| Joining Fee | ₹1,499 |
| Annual Fee | ₹1,499 |
| Finance Charge (Interest Rate) | 3.49% per month (approx. 41.88% per annum) |
| Foreign Currency Markup | 2% of transaction value |
| Fuel Surcharge Waiver Cap | ₹250 per billing month |

  • Late payment charges, cash advance fees, and other applicable charges are levied as per HDFC Bank's prevailing schedule.
  • The annual fee waiver option, if any, is subject to HDFC Bank's spending criteria communicated at the time of card issuance.
  • GST and other applicable taxes will be levied on all fees and charges as per government regulations.

Features

Card Features

  • Card Network: Co-branded with Tata Neu; issued on a major payment network (Visa/Mastercard – confirm at time of application).
  • Contactless Payments: Enabled for tap-and-pay transactions at NFC-compatible terminals.
  • EMI Conversion: Eligible transactions can be converted to EMIs through HDFC Bank's SmartEMI facility (interest rates apply).
  • Add-on Cards: Available for family members, subject to HDFC Bank's policy.
  • Online Account Management: Full account access via HDFC Bank NetBanking and Mobile Banking app.
  • Zero Liability on Lost Card: Protection against fraudulent transactions after reporting card loss to HDFC Bank (subject to timely reporting and bank's fraud policy).

Eligibility

Eligibility Criteria

  • Minimum Annual Income: ₹12,00,000 (₹12 Lakh per annum)
  • Minimum CIBIL Score: 750 or above
  • Age: Typically 21–60 years for salaried applicants; up to 65 years for self-employed (as per HDFC Bank's standard norms)
  • Residential Status: Indian resident
  • Employment Type: Salaried or self-employed professionals meeting the income criteria

> Meeting the minimum eligibility criteria does not guarantee card approval. HDFC Bank reserves the right to approve or decline applications based on its internal credit assessment policy.

Terms

Terms & Conditions

  • All benefits, rewards, and features described on this page are based on information available at the time of publication and are subject to change by HDFC Bank and Tata Neu without prior notice.
  • NeuCoins earn rates, redemption values, and eligible merchant categories are governed by HDFC Bank's and Tata Neu's respective terms and conditions.
  • The fuel surcharge waiver is applicable at select fuel stations and is capped at ₹250 per billing month; transactions below and above specified thresholds may not qualify.
  • Lounge access is subject to the respective lounge programme's terms, and visits may be limited per quarter even within the annual cap.
  • Finance charges of 3.49% per month are applicable on outstanding balances carried forward and on cash advances from the date of transaction.
  • GST at the prevailing rate is applicable on all fees, interest, and charges.
  • Naxelona is an independent financial products marketplace and is not affiliated with HDFC Bank or Tata Neu. Information provided is for educational purposes only. Please read all scheme-related documents and the Most Important Terms & Conditions (MITC) provided by HDFC Bank carefully before applying. Terms and conditions apply.

Frequently asked questions

What is the annual fee for the Tata Neu Infinity HDFC Card?

The Tata Neu Infinity HDFC Card has an annual fee of ₹1,499 and a joining fee of ₹1,499. These fees are subject to applicable GST. Any annual fee waiver condition, if offered, will be communicated by HDFC Bank at the time of card issuance.

How many NeuCoins will I earn on online shopping with this card?

You earn 5% back as NeuCoins on eligible online shopping transactions. For example, a ₹1,000 online purchase would earn 50 NeuCoins, which can be redeemed on the Tata Neu platform at ₹1 per NeuCoin. Certain merchant categories may be excluded from reward accrual.

How many lounge visits does the Tata Neu Infinity HDFC Card provide?

The card provides 8 complimentary domestic airport lounge visits and 4 complimentary international airport lounge visits per year. Lounge access is subject to the terms of the respective lounge access programme, and quarterly caps may apply.

What is the minimum income required to apply for the Tata Neu Infinity HDFC Card?

You need a minimum annual income of ₹12,00,000 (₹12 Lakh per annum) to be eligible for this card. Additionally, a minimum CIBIL score of 750 is required. Meeting these criteria does not guarantee approval, as HDFC Bank conducts its own credit assessment.

What is the interest rate if I do not pay my full outstanding balance?

If you carry forward any outstanding balance or take a cash advance, HDFC Bank charges a finance charge of 3.49% per month, which is approximately 41.88% per annum. To avoid interest charges, it is advisable to pay your full statement balance by the due date each month.

Is there a forex markup fee on the Tata Neu Infinity HDFC Card for international transactions?

Yes, the Tata Neu Infinity HDFC Card levies a foreign currency markup fee of 2% on all international transactions. This is relatively competitive compared to some other cards that charge 3–3.5%. GST will also be applicable on the markup fee.