Tata Ecosystem & UPI Powerhouse — 10% NeuCoins on Tata Brands & 1.5% on RuPay UPI
Frequent shoppers across the Tata consumer ecosystem and digital spenders wanting maximum rewards on QR code merchant UPI payments.
₹1,499
One-time upfront₹1,499
Waived on ₹3 lakh annual spend1.5% NeuCoins on Non-Tata & UPI spends
On eligible spends8 Domestic + 4 International visits/year · ₹50k quarterly spend required (Domestic)
Complimentary visitsLast verified 16 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Tata Neu Infinity HDFC Bank Credit Card is India's preeminent ecosystem and UPI rewards card, uniting HDFC Bank's banking muscle with the expansive consumer footprint of the Tata Group. The card charges an **annual fee of ₹1,499 + GST** (waived on spending ₹3,00,000 annually), which is recovered immediately upon card activation with a welcome gift of **1,499 NeuCoins** (where 1 NeuCoin = ₹1.00) credited to the Tata Neu app. The primary attraction is its dual reward multiplier: cardholders earn an astounding **10% total value back (as NeuCoins)** on purchases made across Tata partner brands on the Tata Neu app (5% card reward + 5% NeuPass member reward)—including BigBasket groceries, Croma electronics, Tata 1mg medicines, Tata CLiQ fashion, Air India flight tickets, and IHCL/Taj hotel stays. Furthermore, on the RuPay network variant, the card earns an impressive **1.5% NeuCoins on all merchant UPI QR code payments**, making it one of the absolute highest-earning credit cards for daily mobile UPI spending in India. Travel benefits are similarly exceptional for a mid-tier card: cardholders receive **8 complimentary domestic airport lounge visits per calendar year (2 per quarter)** plus **4 complimentary international airport lounge visits per calendar year via Priority Pass (1 per quarter)**. Complemented by a reduced foreign currency markup of **2.00% + GST**, the Tata Neu Infinity is an indispensable card for anyone who shops across Tata brands and makes daily payments over UPI.
Earn 5% back as NeuCoins on BigBasket, Croma, 1mg, Air India Express, IHCL, and Westside, plus an extra 5% via NeuPass membership.
Earn 1.5% back as NeuCoins on eligible merchant UPI Scan & Pay transactions via RuPay, capped at 500 NeuCoins per calendar month.
Enjoy 8 domestic lounge visits (2/quarter on ₹50k spend) and 4 international visits per year via Priority Pass.
Benefit from an attractive 2.00% foreign exchange markup on all international transactions.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Tata Neu App & Partner Brands (BigBasket, Croma, 1mg, Air India Express, IHCL) | 5% NeuCoins on Tata Neu App and partner Tata brands (+5% additional with NeuPass = 10% valueback) | No Cap | Standard terms apply |
| Non-Tata Spends & RuPay UPI Transactions | 1.5% NeuCoins on non-Tata retail spends & RuPay UPI transactions (UPI capped at 500 NeuCoins per calendar month) | 500 NeuCoins/mo | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Tata Neu App & Partner Brands (BigBasket, Croma, 1mg, Air India Express, IHCL) | ₹6,000 | 5% NeuCoins on Tata Neu App and partner Tata brands (+5% additional with NeuPass = 10% valueback) | — | None | Calculating... | Under cap |
| Non-Tata Spends & RuPay UPI Transactions | ₹6,000 | 1.5% NeuCoins on non-Tata retail spends & RuPay UPI transactions (UPI capped at 500 NeuCoins per calendar month) | — | ₹500/monthly | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹1,499
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹1,499 + GST (Welcome benefit of 1,499 NeuCoins on the first transaction within 30 days of card setup). • Annual Renewal Fee: ₹1,499 + GST. • Spend-Based Fee Waiver: Annual fee waived on achieving retail spends of ₹3,00,000 in the preceding anniversary year. • 10% Tata Neu Ecosystem Return: 5% NeuCoins on card + 5% NeuCoins on NeuPass across Tata brands on Tata Neu (BigBasket, Croma, Tata 1mg, Tata CLiQ, Air India, Taj; 1 NeuCoin = ₹1.00). • 1.5% UPI Spends Reward: 1.5% NeuCoins on all eligible merchant UPI payments (RuPay network variant). • 1.5% Non-Tata Retail Reward: 1.5% NeuCoins on regular non-Tata retail spends. • Domestic Airport Lounge Access: 8 complimentary visits per calendar year (2 per calendar quarter, spend hurdle of ₹20,000 in previous quarter). • International Airport Lounge Access: 4 complimentary visits per calendar year via Priority Pass (1 per quarter). • Foreign Currency Markup: 2.00% + GST on foreign currency transactions. • Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹400 and ₹5,000 (maximum waiver ₹500 per month).
Evaluate whether this card's perks and waiver threshold justify its ₹1,499 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding Tata Neu Infinity HDFC Bank Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official HDFC Bank portal with paperless verification.
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Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
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