HDFC Bank Tata Neu Infinity

Fees

Waiver: Annual fee waived on spend of ₹3,00,000 or more in the preceding membership year

Rewards

Perks

• ✓Domestic lounge access: 8/yr2 vouchers per calendar quarter (up to 8/year), unlocked only after spending ₹50,000+ in the previous calendar quarter — not automatic. Voucher claim link sent by SMS/email after quarter-end, must be claimed within 120 days and used within 180 days of claiming. Same terms as the Visa sibling.
• ✓International lounge access: 4/yr1 visit per calendar quarter (max 4/year) via direct RuPay-network lounge access — this variant uses the card itself at the lounge rather than a separate Priority Pass membership (which the Visa sibling relies on) — subject to the same ₹50,000/quarter spend gate as domestic access. Additional visits beyond the complimentary allotment cost $27 + GST each.
• ✓Fuel surcharge waiver: 1%Capped at ₹500/month
• ✓Forex markup: 2%
• ✓Air accident death cover: ₹1 Crore
• ✓Emergency overseas hospitalization cover: ₹15 Lakh
• ✓Lost card liability cover: ₹9 Lakh
• ✓5% NeuCoins on Tata Neu App/website non-EMI spends and at Tata partner brands (Croma, Westside, Tata CLiQ, BigBasket, Tata 1mg, Qmin, Tata Play, IHCL/Taj hotels, AirAsia India); an additional 5% (up to 10% total) is available on select Tata Neu categories after registering for NeuPass
• ✓Reward rates for travel and groceries above reflect Tata Neu/partner-brand bookings (IHCL, AirAsia India, BigBasket); rates are lower on the same categories if booked elsewhere
• ✓Base rate of 1.5% NeuCoins on all other retail spends
• ✓RuPay-exclusive: an additional 1.5% NeuCoins on UPI spends (e.g. via the Tata Neu UPI handle or other UPI apps), capped at 500 NeuCoins/month — roughly the first ~₹33,000 of monthly UPI spend at that rate; the Visa variant does not earn on UPI at all. One source (cardexpert.in) describes this 1.5% as itself split into a 0.5% bank-posted component plus a 1% Tata Neu UPI-ID component, but the combined 1.5%-of-spend, 500-NeuCoin-cap outcome is consistent and independently corroborated across sources, so that combined figure is used here rather than the unconfirmed sub-split
• ✓Overall NeuCoins earning capped at 50,000/statement cycle across all categories combined (not per category) — one lower-confidence, single-source estimate additionally suggests a tighter grocery-specific sub-cap of 2,000 NeuCoins/month, but this isn't corroborated elsewhere and isn't reflected in the structured cap above
• ✓No NeuCoins earned on wallet loads/reloads, fuel, rent, cash withdrawals, or EMI conversions
• ✓NeuCoins carry a 12-month validity from the end of the month in which they are credited (effective 1 Aug 2025) and expire if unused
• ✓1 NeuCoin = ₹1, redeemable across the Tata Neu ecosystem (Tata Neu App/partner brands) or as statement cashback; a ₹50 redemption fee applies for cashback/statement-credit redemption
• ✓Also issued as a Tata Neu Infinity Visa variant with Priority Pass international lounge access but no UPI rewards; fees, eligibility, domestic lounge terms, forex markup and the core NeuCoins structure are otherwise the same across both variants
• ✓Maximum age is commonly cited as 60 for salaried applicants and 65 for self-employed applicants; the eligibility ceiling here uses the wider self-employed bound since the schema allows only one maxAge value