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HDFC Bank
VISA
Tata Neu Infinity

HDFC Bank Tata Neu Infinity

A Tata-ecosystem co-brand card earning up to 10% NeuCoins on Tata Neu App purchases and partner brands like Croma, Westside and BigBasket, with milestone-gated airport lounge access.

online-shoppingcashbacktravellifestyle

Also available on RuPay

HDFC Bank Tata Neu Infinity is issued on more than one network — each has different rewards and lounge access.

  • HDFC Bank
    RuPay
    Tata Neu Infinity

    RuPay variant

    RuPay variant: swaps Priority Pass for direct (non-Priority-Pass) international lounge access via the RuPay network itself, and adds an extra 1.5% NeuCoins on UPI spends (capped at 500 NeuCoins/month) that the Visa sibling does not earn.

Last reviewed 15 July 2026

Fees

Joining fee

₹1,499

Annual fee

₹1,499

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

Eligibility

Min. monthly income: ₹1,00,000

Age: 21–65 yrs

Employment: salaried, self employed

Rewards

online shopping5% cashback(cap ₹50,000 cashback/1mo)
travel5% cashback(cap ₹50,000 cashback/1mo)
groceries5% cashback(cap ₹50,000 cashback/1mo)
fuel0% cashback
all other1.5% cashback(cap ₹50,000 cashback/1mo)

Welcome benefits

  • • 1,499 NeuCoins (worth ~₹1,499, effectively reversing the joining fee) credited to the Tata Neu App on the first transaction made within 30 days of card issuance; claimable within 60 days of that transaction

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.
  • ✓International lounge access: 4/yr1 visit per calendar quarter (max 4/year) via Priority Pass on the Visa variant, subject to the same ₹50,000/quarter spend gate as domestic access; the RuPay variant gets direct lounge access instead of Priority Pass. 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 variant only: additional 1.5% NeuCoins on UPI spends, capped at 500 NeuCoins/month; the Visa variant (this record) does not earn on UPI
  • ✓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 RuPay variant with UPI-linked rewards and direct (non-Priority-Pass) lounge access; benefits are otherwise broadly aligned with the Visa variant described here
  • ✓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

Common questions

What is the annual fee on the HDFC Bank Tata Neu Infinity?
The joining fee is ₹1,499. The annual fee is ₹1,499. Annual fee waived on spend of ₹3,00,000 or more in the preceding membership year
What are the reward rates on the HDFC Bank Tata Neu Infinity?
HDFC Bank Tata Neu Infinity earns 5% cashback on online shopping, 5% cashback on travel, 5% cashback on groceries, 1.5% cashback on all other spends.
Does the HDFC Bank Tata Neu Infinity offer airport lounge access?
Yes: 8 domestic lounge visits per year (2 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.) and 4 international lounge visits per year (1 visit per calendar quarter (max 4/year) via Priority Pass on the Visa variant, subject to the same ₹50,000/quarter spend gate as domestic access; the RuPay variant gets direct lounge access instead of Priority Pass. Additional visits beyond the complimentary allotment cost $27 + GST each.).
Who is eligible for the HDFC Bank Tata Neu Infinity?
Applicants typically need a minimum monthly income of ₹1,00,000, a minimum annual income of ₹12,00,000, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by HDFC Bank and can vary by application.
Is the HDFC Bank Tata Neu Infinity available on other networks?
Yes, it's also issued on RuPay. RuPay variant: swaps Priority Pass for direct (non-Priority-Pass) international lounge access via the RuPay network itself, and adds an extra 1.5% NeuCoins on UPI spends (capped at 500 NeuCoins/month) that the Visa sibling does not earn.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

₹
5% cashback· cap ₹50,000 cashback/1mo
₹
5% cashback· cap ₹50,000 cashback/1mo
₹
5% cashback· cap ₹50,000 cashback/1mo
₹
0% cashback
₹
1.5% cashback· cap ₹50,000 cashback/1mo
Estimated annual value—
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