Route spending through Up to 10% total NeuCoins when combining base earn and NeuPass tier multipliers on the Tata Neu app.
Earn 10.0× here — 10.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Mid-tier · Cashback
HDFC BANK · TATA NEU INFINITY HDFC BANK CREDIT CARD
Tata Neu Infinity HDFC Bank Credit Card
ANNUAL FEE
₹1,499 waived at ₹3L spend
FIRST-YEAR NET VALUE
₹41,099 for a mid spender · travel
HDFC BANK Tata Neu Infinity HDFC Bank
Updated 17 Sep 2026 4 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is HDFC Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 730+ Good band
AGE 21 – 60 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹41,099 first-year net value · mid spender · travel
Category rewards ₹39,600
Welcome benefit· Welcome reward points ₹1,499
Annual fee − ₹1,499
Fee waiver (met)· Annual fee reversed for next year ₹1,499
Net first-year value ₹41,099
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.50% back on eligible spends 1.5 pts 1.5 points per ₹100
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 10.0% back
5% NeuCoins on spends at Tata-owned brands such as Croma, Taj, AirAsia India, BigBasket · 5.0%
Up to 10% total NeuCoins when combining base earn and NeuPass tier multipliers on the Tata Neu app · 10.0%
Everything else (base) · 1.5%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time HDFC Bank tweaks the program.
Line up your ₹3L before renewal.
Crossing ₹3L in the anniversary year waives the ₹1,499 fee — automatic for spenders at ₹25,000+/month. Watch your pace in months 10–12.
Don't sleep on 5% NeuCoins on spends at Tata-owned brands such as Croma, Taj, AirAsia India, BigBasket.
The second tier earns 5.0× (5.0% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Joining fee ₹1,499 · + 18% GST · one-time
Annual fee (year 2+) ₹1,499 · waived at ₹3L spend
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 3.5%
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Airport lounges
8 domestic + 4 international visits per year. Primary cardholder.
Welcome voucher
₹1,499 Welcome reward points.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹3L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How Tata Neu Infinity HDFC Bank Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Welcome benefit corrected to 1,499 NeuCoins (fee reversal) on the first transaction in 30 days (file had 499); domestic lounge access is milestone-based from 10 Jun 2025 (2 vouchers a quarter on ₹50,000 quarterly spend); Visa Priority Pass now issued only on request from 1 Jun 2025. Fee ₹1,499 + taxes, ₹3L waiver, 5% NeuCoins on Tata brands (+5% via NeuPass on select Tata Neu categories), 1.5% on other non-UPI and merchant-EMI spends, up to 1.5% on UPI re-verified. Welcome value triples; lounge access unchanged in count but now spend-gated per quarter
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: HDFC Bank Tata Neu Infinity Credit Card product page, HDFC Bank Tata Neu Infinity Credit Card fees and charges page, HDFC Bank Tata Neu Infinity Credit Card eligibility page, hdfc.bank.in. Next scheduled review: 17 Mar 2027.