HDFC
Tata Neu Infinity HDFC Bank Credit Card
This is an invite only card
Top Benefits
Get 5% NeuCoins at partner Tata brands Like Croma, Tata Cliq
Westside, Titan and Tanishq on non-EMI spends
Get 5% NeuCoins on Eligible Tata Pay Bill Payments
after NeuPass registration, with spends eligible up to ₹1,00,000 per month and ₹6,00,000 per year
Best For
Shopping
Online Food Ordering
Grocery Shopping
Travel
Utility Bills
UPI
If you regularly shop across Tata brands, the Tata Neu Infinity HDFC Bank Credit Card is designed speci...
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If you regularly shop across Tata brands, the Tata Neu Infinity HDFC Bank Credit Card is designed speci...
If you regularly shop across Tata brands, the Tata Neu Infinity HDFC Bank Credit Card is designed specifically for you. This card offers a powerful way to earn up to 5% back as NeuCoins on partner Tata brands, making it a strong contender for anyone deeply integrated into the Tata ecosystem. With extra benefits on UPI payments via the RuPay variant and comprehensive insurance coverage, this card stands out as a highly rewarding option for frequent shoppers and travelers.
Unlike generic cashback cards that spread rewards thinly across multiple categories, the Tata Neu Infinity HDFC Bank Credit Card concentrates its highest rewards where you spend the most: Tata brands. It also offers solid value on non-Tata spends and merchant EMIs, ensuring you still get something back on your everyday purchases.
View FAQ
Commonly Asked Questions
Is the Tata Neu Infinity HDFC Bank Credit Card lifetime free?
No, the card comes with a joining and annual fee of Rs. 1,499. However, you can offset the joining fee with welcome benefits and waive the annual fee by spending Rs. 3 lakh in a year.
Is the Tata Neu Infinity HDFC Bank Credit Card a good credit card?
Yes, it is excellent if you frequently shop at Tata brands like Bigbasket, Croma, and Tata CLiQ, offering 5% back as NeuCoins. It also provides lounge access and solid insurance covers.
Who should apply for this card?
This card is ideal for individuals who spend heavily on Tata brands, want decent rewards on UPI transactions, and appreciate added perks like lounge access and insurance coverage.
What makes this different from other shopping cards?
Its unique integration with the Tata Neu App and the ability to earn up to 5% back specifically on Tata brands sets it apart from cards that offer flat rates across all merchants.
Expert Review
As a finance expert, I find the Tata Neu Infinity HDFC Bank Credit Card to be an exceptionally strong co-branded card, provided you fit its target demographic. If your lifestyle naturally involves shopping at Bigbasket for groceries or Croma for electronics, earning an effective 5% return is brilliant. The addition of UPI capabilities on the RuPay network makes it a modern, highly usable daily driver.
However, the card is not without flaws. The strict exclusion list—especially the lack of rewards on utility bills and fuel—limits its potential as a true "one-card-fits-all" solution. Additionally, the Rs. 100 redemption fee eats into your rewards, which feels unnecessary for a premium co-branded card.
Verdict: Get this card if your annual spending on Tata brands exceeds Rs. 50,000. The NeuCoins will pile up fast. But if you prefer cash credited straight to your bank account without brand restrictions, look elsewhere.
Joining/Annual Fee
Joining Fees
₹1,769 ( ₹1499 + GST )
Annual Fees
₹1,769 ( ₹1499 + GST )
Understanding the costs associated with a credit card is crucial. The Tata Neu Infinity HDFC Bank Credi...
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Understanding the costs associated with a credit card is crucial. The Tata Neu Infinity HDFC Bank Credi...
Understanding the costs associated with a credit card is crucial. The Tata Neu Infinity HDFC Bank Credit Card carries a joining fee of Rs. 1,499. However, this is immediately offset because you receive 1,499 NeuCoins (worth Rs. 1,499) upon completing your first transaction within 30 days of card issuance.
From the second year onwards, you will be charged an annual renewal fee of Rs. 1,499. You can easily avoid this fee by spending Rs. 3 lakh or more in a year. If you manage to spend roughly Rs. 25,000 a month on the card, you will automatically hit the Rs. 3 lakh target and get your annual fee waived.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 1,499 plus applicable taxes.
Is there a welcome bonus to offset the joining fee?
Yes, if you make a transaction within 30 days of issuance, you receive 1,499 NeuCoins, completely offsetting the joining fee.
What is the annual or renewal fee?
The annual renewal fee is Rs. 1,499 plus taxes, charged from the second year onwards.
Is there an annual fee waiver option?
Yes, the annual fee is waived if you spend Rs. 3 lakh or more on the card during the year.
What is the spending requirement for the annual fee waiver?
You need to spend Rs. 3 lakh annually. For example, averaging Rs. 25,000 per month will ensure you meet this target.
From when is the annual fee charged?
The annual fee is charged on your card anniversary date, 12 months after the card was issued to you.
What happens if I don't meet the fee waiver spending requirement?
If you do not spend Rs. 3 lakh in a year, the Rs. 1,499 annual fee will be charged to your next statement.
How can I get this card lifetime free?
This card is available as lifetime free for high-net-worth salary account holders or during specific seasonal promotional periods.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
12LPA
Credit
Rating*
720+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
Before applying for the Tata Neu Infinity HDFC Bank Credit Card, it is important to ensure you meet the...
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Before applying for the Tata Neu Infinity HDFC Bank Credit Card, it is important to ensure you meet the...
Before applying for the Tata Neu Infinity HDFC Bank Credit Card, it is important to ensure you meet the bank's requirements. The primary cardholder must be between 21 and 60 years of age if salaried, or between 21 and 65 years if self-employed.
Income requirements are straightforward. Whether you are salaried or self-employed, you need a minimum annual income of Rs. 12 Lakhs. This breaks down to a monthly salary of Rs. 1,00,000. You also need a strong credit history; the bank requires a minimum CRIF score of 720, though a score of 750 or above is required for the highest approval probability.
- Age (Salaried): 21 to 60 years
- Age (Self-Employed): 21 to 65 years
- Minimum Income (Salaried): Rs. 12 Lakhs per annum (approx. Rs. 1,00,000 monthly)
- Minimum Income (Self-Employed): Rs. 12 Lakhs annual ITR
- Credit Score Requirement: Minimum CRIF score of 720 (750+ preferred)
- Employment Type: Both Salaried and Self-Employed individuals are eligible
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary applicant must be at least 21 years old to apply for the Tata Neu Infinity HDFC Bank Credit Card.
What is the maximum age limit for the primary cardholder?
The maximum age is 60 years for salaried applicants and 65 years for self-employed applicants.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum annual income of Rs. 12 Lakhs, which equals a monthly salary of Rs. 1,00,000.
What is the minimum annual income for self-employed applicants?
Self-employed professionals must provide an annual ITR of at least Rs. 12 Lakhs to qualify.
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed individuals can apply as long as they meet the income criteria.
What credit score (CIBIL/CRIF) is needed for approval?
A minimum CRIF score of 720 is required, though a score of 750 or above ensures faster approval.
Will my application be rejected if my credit score is below the requirement?
While a score below 720 reduces your chances, final approval depends on the bank's comprehensive review of your financial profile.
Can I get add-on cards for family members?
You can apply for up to three add-on cards for immediate family members over 18 years of age through HDFC NetBanking.
Do I need to be an Indian citizen to apply?
Resident Indians and NRIs meeting the income criteria are eligible to apply for this card.
Do I need to have an existing account with this bank?
Having an existing relationship with HDFC Bank is not mandatory, but it speeds up the application process and improves approval odds.
All Card Benefits
- 5% back as NeuCoins on eligible non-EMI spends at partner Tata Brands
- 1.5% back as NeuCoins on eligible non-Tata spends and eligible Merchant EMI
- UPI (RuPay): up to 1.5% (0.5% on any UPI ID + extra 1% via Tata Neu UPI ID), capped at 500 NeuCoins/month
- Additional 5% back as NeuCoins on select Tata Neu App categories
Welcome Benefits
The Tata Neu Infinity HDFC Bank Credit Card offers a generous welcome benefit to he...
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Welcome Benefits The Tata Neu Infinity HDFC Bank Credit Card offers a generous welcome benefit to he...
Welcome Benefits
The Tata Neu Infinity HDFC Bank Credit Card offers a generous welcome benefit to help you hit the ground running. When you make your first transaction within 30 days of card issuance, you will receive 1,499 NeuCoins on the Tata Neu App. Since 1 NeuCoin equals Rs. 1, this welcome bonus essentially offsets the Rs. 1,499 joining fee.
Reward Points Structure
The core strength of the Tata Neu Infinity HDFC Bank Credit Card lies in its rewards program. You earn 5% back as NeuCoins on eligible non-EMI spends at partner Tata Brands. For non-Tata spends and eligible Merchant EMIs, you get 1.5% back as NeuCoins. Additionally, if you use the RuPay variant for UPI payments, you can earn up to 1.5% back (0.5% on any UPI ID plus an extra 1% when using the Tata Neu UPI ID), capped at 500 NeuCoins per month.
Furthermore, you get an additional 5% back as NeuCoins on select Tata Neu App categories, further sweetening the deal for heavy app users. For example, if you spend Rs. 10,000 at Croma (a Tata brand), you earn 500 NeuCoins (worth Rs. 500). If you spend Rs. 20,000 on general non-Tata purchases, you earn 300 NeuCoins (worth Rs. 300).
Dining Benefits
Dining out is also rewarding with the Tata Neu Infinity HDFC Bank Credit Card. You earn 1.5% back as NeuCoins on eligible restaurant transactions. For instance, if you spend Rs. 5,000 on dining this month, you will accumulate 75 NeuCoins, which translates to Rs. 75 in value.
Airport Lounge Access
Frequent flyers will appreciate the lounge benefits. For domestic travel, you need to spend Rs. 50,000 or more in a calendar quarter to receive 2 domestic lounge vouchers per quarter, totaling up to 8 visits per year. For international travel, lounge access is available via Priority Pass for the VISA variant or the eligible RuPay program. Free visits and charges apply based on the specific variant and quarterly limits.
Fuel Surcharge Waiver
To help with commuting costs, the card offers a 1% fuel surcharge waiver. This applies to fuel transactions between Rs. 400 and Rs. 5,000. You can save up to Rs. 500 per statement cycle. For example, if you spend Rs. 4,000 on fuel in a month, you save Rs. 40 on surcharges.
Insurance Benefits
The Tata Neu Infinity HDFC Bank Credit Card provides robust insurance coverage. You get an accidental air death cover worth Rs. 1 Crore, giving you peace of mind while flying. It also offers emergency overseas hospitalization cover up to Rs. 15 lakhs and lost card liability cover up to Rs. 9 lakhs.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
To qualify, you must make your first transaction on the card within 30 days of it being issued to you. The 1,499 NeuCoins will then be credited to your Tata Neu App.
What is the value of the welcome benefit?
The welcome benefit is 1,499 NeuCoins. Because 1 NeuCoin is worth Rs. 1, the total value is Rs. 1,499, which directly covers your joining fee.
When will I receive the welcome benefit after card activation?
The NeuCoins are credited to your Tata Neu App shortly after your first eligible transaction is processed within the 30-day window.
Is there a minimum transaction amount for the welcome bonus?
A minimum transaction of Rs. 100 within the first 30 days triggers the welcome bonus, and any standard purchase qualifies.
What is the standard reward rate on this card?
You earn 5% back as NeuCoins on partner Tata Brands, 1.5% on non-Tata spends, and up to 1.5% on UPI transactions via RuPay.
What is the value of 1 reward point in rupees?
Each NeuCoin is valued at Rs. 1, making it incredibly simple to calculate your savings when shopping or redeeming.
Do I earn points on UPI transactions?
Yes, if you have the RuPay variant, you earn up to 1.5% back on UPI transactions (capped at 500 NeuCoins per month). Standard UPI transactions do not earn rewards on the VISA variant.
Which transactions are excluded from earning reward points?
Transactions like Rent Payment, Fuel Spends, Insurance Payments, EMI Spends (except merchant EMI), ATM Cash Withdrawals, and Government-related Transactions do not earn NeuCoins.
Do I earn points on fuel purchases?
No, fuel spends are explicitly excluded from earning NeuCoins on this card.
Do I earn points on utility bill payments?
Utility bill payments are excluded from the standard reward earning structure on this card.
Do I earn points on rent payments?
No, rent payments are excluded and will not earn you any NeuCoins.
Do I earn points on wallet load transactions?
Wallet transactions and load money activities do not earn NeuCoins.
What dining benefits does this card offer?
You get 1.5% back as NeuCoins on eligible restaurant transactions, meaning a Rs. 2,000 meal earns you 30 NeuCoins.
Is there a cap on dining rewards?
Dining rewards are uncapped and form part of your standard 1.5% reward rate for non-Tata spends.
Do Swiggy or Zomato orders count for dining rewards?
Food delivery apps like Swiggy and Zomato are classified as eligible restaurant transactions and earn the 1.5% reward rate.
Are there any partner restaurant discounts?
This card includes access to HDFC’s Good Food Trail program, providing up to 25% savings at partner restaurants.
Does this card offer domestic lounge access?
Yes, but you must spend Rs. 50,000 or more in a calendar quarter to unlock 2 domestic lounge vouchers for that quarter.
Is international lounge access included?
Yes, international lounge access is available through Priority Pass (VISA) or the applicable RuPay program, subject to specific limits and charges.
What happens if I don't spend Rs. 50,000 in a quarter?
If you fail to meet the Rs. 50,000 spend requirement in a calendar quarter, you will not receive the 2 domestic lounge vouchers for that period.
Can my add-on cardholder use the lounge access?
Lounge benefits are shared between primary and add-on cardholders, utilizing the primary account's quarterly visit quota.
What is the fuel surcharge waiver on this card?
You get a 1% fuel surcharge waiver on transactions ranging from Rs. 400 to Rs. 5,000.
Is there a maximum limit to the fuel surcharge waiver?
Yes, the maximum waiver you can receive is capped at Rs. 500 per statement cycle.
Do I earn NeuCoins on fuel purchases?
No, fuel spends are excluded from earning NeuCoins; you only get the surcharge waiver.
Which petrol pumps qualify for the waiver?
The waiver applies across all petrol pumps in India, provided the transaction is between Rs. 400 and Rs. 5,000.
What kind of insurance coverage comes with this card?
The card offers an accidental air death cover of Rs. 1 Crore, emergency overseas hospitalization up to Rs. 15 lakhs, and lost card liability up to Rs. 9 lakhs.
How do I claim the accidental air death cover?
The air accident cover is valid when the flight ticket is purchased using your Tata Neu Infinity card. Claims are initiated through HDFC Bank's dedicated insurance claim portal.
What does the lost card liability cover?
The lost card liability cover (up to Rs. 9 lakhs) protects you against fraudulent transactions made on your card after you have reported it lost to the bank.
Is the overseas hospitalization cover automatic?
Overseas hospitalization coverage requires you to activate international transactions and complete at least one international transaction prior to the medical emergency.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 NeuCoin = ₹1
Redemption Options
- Air India Express
- Bigbasket
- Croma, Westside
- Tata CLiQ, Tata CLiQ Luxury
- Hotel Booking/Purchase on IHCL
- TATA 1 MG
- Qmin
- Titan & Tanishq (only via Tata Neu)
To check redemption catalogue
Redeeming the NeuCoins you earn is simple and heavily focused on the Tata ecosystem. Each NeuCoin is wo...
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Redeeming the NeuCoins you earn is simple and heavily focused on the Tata ecosystem. Each NeuCoin is wo...
Redeeming the NeuCoins you earn is simple and heavily focused on the Tata ecosystem. Each NeuCoin is worth exactly Rs. 1. You can redeem these coins through the Tata Neu app or website for a variety of purchases across Tata brands.
Redemption options include booking flights on Air India Express, buying groceries on Bigbasket, electronics at Croma, fashion at Westside or Tata CLiQ, booking hotels through IHCL, ordering medicines on TATA 1 MG, ordering food via Qmin, or purchasing jewelry from Titan & Tanishq (only via Tata Neu). For instance, if you have accumulated 2,000 NeuCoins, you get a flat Rs. 2,000 discount on your next Bigbasket order at checkout.
Please note that a reward redemption fee of Rs. 100 is charged every time you process a redemption request.
View FAQ
Commonly Asked Questions
How do I redeem the reward points I have earned?
You can redeem your NeuCoins directly via the Tata Neu app or website at checkout across partner Tata brands.
What is the value I get when I redeem reward points?
1 NeuCoin equals Rs. 1. So, if you redeem 500 NeuCoins, you get a Rs. 500 discount on your purchase.
What can I redeem my reward points for?
You can use them for Bigbasket, Croma, Westside, Tata CLiQ, IHCL bookings, TATA 1 MG, Air India Express, and Qmin via the Tata Neu app.
Is there a fee for redeeming my rewards?
Yes, a reward redemption fee of Rs. 100 is charged for each redemption transaction you make.
Is there a minimum points balance needed before I can redeem?
You can initiate redemption as soon as you have a minimum balance of 1 NeuCoin.
Do my NeuCoins expire?
NeuCoins remain valid for 365 days from the date of your last transaction involving NeuCoins (earn or use).
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Fuel Spends
Insurance Payments
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Education Spends
Government-related Transactions
Wallet transactions
Load Money
Bank Charges & Fees
All Reversals
Utility Bill Payments
Financial Charges
UPI Transactions
Online Skill-Based Gaming
Voucher Purchases
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Balance Transfer
For Spends Waiver
Rent Payment
Fuel Spends
Insurance Payments
EMI Spends
ATM Cash Withdrawals
Jewellery Purchases
Education Spends
Government-related Transactions
Wallet transactions
Load Money
Bank Charges & Fees
All Reversals
Utility Bill Payments
Financial Charges
Gambling Transactions
Toll Payments
Security Broker Services
Charity
Railways
Balance Transfer
UPI Transactions
Online Skill-Based Gaming
Voucher Purchases
To maximize your benefits, you must know where the Tata Neu Infinity HDFC Bank Credit Card does NOT ear...
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To maximize your benefits, you must know where the Tata Neu Infinity HDFC Bank Credit Card does NOT ear...
To maximize your benefits, you must know where the Tata Neu Infinity HDFC Bank Credit Card does NOT earn rewards. The bank has a strict list of exclusions where you will earn zero NeuCoins.
Excluded categories include Rent Payment, Fuel Spends, Insurance Payments, EMI Spends, ATM Cash Withdrawals, Jewellery Purchases, Education Spends, Government-related Transactions, Wallet transactions, Load Money, Bank Charges & Fees, Utility Bill Payments, Toll Payments, Charity, Railways, Balance Transfers, and Online Skill-Based Gaming. For example, if you pay a Rs. 20,000 insurance premium using this card, you will not earn any NeuCoins on that transaction. It is processed simply as a charge.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
You will not earn rewards on Rent, Fuel, Insurance, ATM Withdrawals, Education, Government payments, Wallet loads, Utility bills, and Railways, among others.
Does paying rent with this card earn reward points?
No, rent payments are strictly excluded from earning any NeuCoins.
Are insurance premium payments excluded from rewards?
Yes, insurance premium payments do not earn any rewards on the Tata Neu Infinity Credit Card.
Do wallet top-ups earn rewards on this card?
No, wallet transactions and loading money are excluded categories and yield zero rewards.
Are education or school fee payments excluded?
Yes, education spends are part of the excluded list and will not earn NeuCoins.
Are utility bill payments such as electricity excluded?
Yes, utility bill payments are excluded from the reward structure on this card.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 2% |
APR Fees 3.75% monthly fee. Credit cards allow you for a interest free payment period of 20-55 days. However, if you fail to make payment for your statement in due time then bank starts charging interest. A simple way to avoid heavy interest rates over long time is to convert your large spends in EMIs. Normally bank charges 16% p.a interest on EMIs however if you fail to pay in time then annual interest can reach upto 45% | 3.75% |
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1.8% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
Check Payment Fees A fee of ₹50 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹50 |
Cash Payment Fees ₹100 cash payment fee per deposit | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 |
| ₹101 - ₹500 | ₹100 |
| ₹501 - ₹1,000 | ₹500 |
| ₹1,001 - ₹5,000 | ₹600 |
| ₹5,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹900 |
| ₹25,001 - ₹50,000 | ₹1100 |
| ₹50,000 and above | ₹1300 |
Understanding the complete fee structure of the Tata Neu Infinity HDFC Bank Credit Card helps you avoid...
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Understanding the complete fee structure of the Tata Neu Infinity HDFC Bank Credit Card helps you avoid...
Understanding the complete fee structure of the Tata Neu Infinity HDFC Bank Credit Card helps you avoid unexpected charges. While the rewards are lucrative, carrying a balance or missing payments will quickly negate those benefits.
The Joining Fee for this card is Rs. 1,499. However, this fee is effectively offset because you receive 1,499 NeuCoins upon completing your first transaction within 30 days.
The Annual Renewal Fee is Rs. 1,499, charged from the second year. You can get this fee completely waived if your total spends exceed Rs. 3 lakh in a year. For example, spending Rs. 25,000 every month ensures you never pay the renewal fee.
The Interest Rate (APR) on this card is 3.95% per month, which translates to 47.40% per annum. If you leave a balance of Rs. 10,000 unpaid past the due date, you will incur Rs. 395 in interest charges for that month alone.
Late Payment Charges are tiered based on your outstanding balance, ranging from Rs. 100 for small balances to Rs. 1,300 for balances exceeding Rs. 50,000.
The Forex Markup Fee is 3.5%. If you travel abroad and spend USD 100 (assuming an exchange rate of Rs. 83, so Rs. 8,300), the bank will charge an additional Rs. 290.50 as a markup fee.
The ATM Cash Withdrawal Fee is 2.5% of the withdrawn amount (subject to a minimum of Rs. 500). If you withdraw Rs. 10,000 in an emergency, you will pay a flat Rs. 500 fee, plus interest starts accruing immediately from day one.
A 1% convenience fee applies on all rent payments made through third-party merchants using this credit card.
A 1% surcharge applies to IRCTC bookings, which is waived when booking tickets through the HDFC Bank SmartBuy platform.
Depositing cash at a bank branch to pay your credit card bill attracts a processing fee of Rs. 100 per transaction.
A cheque return fee of Rs. 450 or 2% of the amount applies if a payment cheque bounces due to insufficient funds.
The Reward Redemption Fee is Rs. 100 per redemption request. If you redeem 1,000 NeuCoins (worth Rs. 1,000), you will see a Rs. 100 charge on your next statement, effectively making your net gain Rs. 900.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 1,499 (Offset by 1,499 NeuCoins) |
| Annual Fee | Rs. 1,499 (Waived on Rs. 3 Lakh annual spend) |
| Interest Rate (APR) | 3.95% per month (47.40% annually) |
| Forex Markup Fee | 3.5% |
| Cash Withdrawal Fee | 2.5% of amount (Min Rs. 500) |
| Reward Redemption Fee | Rs. 100 per request |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The joining fee is Rs. 1,499. However, it is offset by a welcome benefit of 1,499 NeuCoins on your first transaction within 30 days.
What is the annual or renewal fee?
The annual fee is Rs. 1,499, applied from the second year onwards.
Is there an annual fee waiver based on spending?
Yes, if you spend Rs. 3 lakh or more in a year (averaging Rs. 25,000 a month), the annual fee is waived.
What is the interest rate (APR) if I don't pay my full balance?
The card charges an interest rate of 3.95% per month, which equals 47.40% annually on unpaid balances.
How is the interest calculated on outstanding balances?
If you carry a balance of Rs. 10,000, you will be charged Rs. 395 in interest for that month until fully repaid.
What is the forex markup for international transactions?
A 3.5% markup is applied. For example, spending Rs. 1,000 in foreign currency costs an extra Rs. 35.
Can I withdraw cash using my credit card?
Yes, but it is expensive. A 2.5% fee applies on the withdrawn amount.
What are the cash withdrawal charges and limits?
The fee is 2.5% of the cash advance, with a minimum charge of Rs. 500 per transaction.
Is there a fee to redeem my reward points?
Yes, every time you redeem NeuCoins, a flat redemption fee of Rs. 100 is charged to your card account.
What happens if I spend more than my credit limit?
The bank applies an over-limit fee of 2.5% (minimum Rs. 500) if a transaction exceeding your credit limit is approved.
Are there fees for paying rent with this card?
All rent payments incur a 1% processing fee, which is capped at Rs. 1,000 per transaction.
What are the late payment charges?
Late payment fees are strictly tiered by the outstanding amount, with a maximum charge of Rs. 1,300 for balances over Rs. 50,000.
Is there a fee for paying my bill in cash at a branch?
A standard fee of Rs. 100 is charged for any cash bill payments made at HDFC Bank branches.
What are the card replacement charges for lost or stolen cards?
Card replacement for lost or damaged cards costs Rs. 100 plus taxes.
Similar Cards
| Features |  SBI Cashback |  Axis Flipkart |  SBI Simply Click |  Flipkart SBI |
|---|---|---|---|---|
| Annual Fee | 999 | 500 | 499 | 500 |
| Welcome Benefits | ||||
| Best For | - | - | - | Shopping |
| Offer | ||||
| Lounge Access |
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What documents are needed for identity proof?
A valid PAN Card and Aadhaar Card provide full identity verification.
What can I submit as address proof?
Your Aadhaar card, Passport, or a recent utility bill (electricity/water) works perfectly.
What income documents are required if I am salaried?
You will need to provide your latest 2-3 months' salary slips and recent bank statements showing the salary credit.
What income documents are required for self-employed applicants?
Self-employed individuals must submit their latest Income Tax Returns (ITR) showing an annual income of at least Rs. 12 Lakhs.
Is a physical signature required on the documents?
If you complete Video KYC, physical signatures are not required, as the process is done digitally via Aadhaar OTP.
Can I upload my documents online?
Yes, during the application process, you will be prompted to upload clear, scanned copies of your documents.
Who Should Get This Card?
The Tata Loyalist: If your monthly groceries come from Bigbasket, your electronics from Croma, and your clothes from Westside, this card is a no-brainer. The 5% back on these spends will rack up NeuCoins rapidly.
The UPI User: If you use UPI for daily payments and want to earn rewards on them, the RuPay variant of this card offers up to 1.5% back, making every tap and scan rewarding.
Who Should NOT Get This Card: If you rarely shop at Tata brands and prefer generic cashback credited directly to your statement, or if your income is below the Rs. 12 Lakhs requirement, you should look at alternative cashback cards.
Credit Limit and What to Expect
Your credit limit is determined by HDFC Bank based on your income, credit score, and existing liabilities. Since this card requires a minimum income of Rs. 12 Lakhs, you can expect a healthy starting credit limit, provided your credit history is clean.
View FAQ
Commonly Asked Questions
What starting credit limit can I expect?
Given the Rs. 12 Lakh income requirement, starting limits are generous and frequently range from Rs. 1,50,000 to Rs. 3,00,000.
How does the bank decide my credit limit?
The bank evaluates your annual income, your CRIF/CIBIL score (720+ required), and your current debt-to-income ratio.
Can I request a credit limit increase later?
Yes, after using the card responsibly for 6-12 months, you can request a limit enhancement through net banking or customer care.
Will checking my eligibility lower my credit score?
Checking eligibility involves a soft pull which doesn't hurt your score. The hard pull only happens when you formally submit the application.
Is it possible to transfer my limit from another HDFC card?
HDFC Bank allows you to reallocate or share limits between your existing HDFC cards through a formal request to customer service.
What happens if I cross my credit limit?
Transactions exceeding your limit result in an over-limit fee of 2.5% of the over-limit amount, subject to a minimum of Rs. 500.
How to Apply?
Applying for the Tata Neu Infinity HDFC Bank Credit Card is a straightforward process that can be completed entirely online.
- Visit the official HDFC Bank website or the Tata Neu App.
- Locate the Tata Neu Infinity Credit Card page and click on 'Apply Now'.
- Fill in your basic details like name, mobile number, PAN, and employment information.
- Submit the application and note down your Application Reference Number.
- Complete the Video KYC process to verify your identity without visiting a branch.
View FAQ
Commonly Asked Questions
Where can I apply for this credit card?
You can apply online via the HDFC Bank website, the Tata Neu App, or through partner platforms.
Can I apply for this card online?
Yes, the entire application, including documentation and verification, can be completed online.
What is Video KYC and is it mandatory?
Video KYC is an online verification process where a bank agent verifies your original documents over a video call. It is highly recommended to avoid branch visits.
What do I need for a successful Video KYC call?
Keep your original PAN card handy, sit in a well-lit room, ensure a strong internet connection, and stay within 50 km of your registered address.
How long does the approval process take?
Once your Video KYC is completed successfully, approval and card dispatch typically take 7-10 working days.
How can I track my application status?
You can use the Application Reference Number provided during submission to track your status on the HDFC Bank website.
That’s the full story of this credit card
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Top Benefits
Top Benefits
Get 5% NeuCoins at partner Tata brands Like Croma, Tata Cliq
Westside, Titan and Tanishq on non-EMI spends
Get 5% NeuCoins on Eligible Tata Pay Bill Payments
after NeuPass registration, with spends eligible up to ₹1,00,000 per month and ₹6,00,000 per year
Company
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