Tata Neu Infinity Credit Card: Top Rewards and Benefits in 2025

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Card Fees

₹1,499/-

Joining Fees

₹1,499/-

Annual Fees

2%

Foreign Transaction Fee

3.75%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21=65

Minimum & Maximum Age Criteria

30,000

Minimum monthly income

750

Minimum Credit Score

Category

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Minimum Credit Score Required

750

Annual Charges

₹1,499/-

Features

  • 5% NeuCoins on Tata brand spends
  • 1.5% rewards on other spends
  • Lounge access at major airports

Welcome Offer

  • Get 1,499 NeuCoins on card activation
  • Bonus NeuCoins on first Tata Neu app transaction
  • Early spend bonus in first 30 days

The Tata Neu Infinity HDFC Bank Credit Card is an exceptional offering that combines rewards, travel perks, and exclusive benefits, making it a must-have for frequent shoppers and loyal patrons of Tata brands.It offers exceptional rewards and perks for Tata brand enthusiasts. It provides 5% back in NeuCoins on Tata brand spends, free lounge access (domestic and international), and comprehensive travel insurance.

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

  • 5% Back in NeuCoins: Earn 5% back on non-EMI spends at Tata Neu and partner Tata brands like BigBasket, Croma, and Westside.
  • 1.5% Back in NeuCoins: Enjoy 1.5% back on non-Tata brand spends, UPI transactions (RuPay variant), and merchant EMI spends.
  • Additional 5% Back: Get an extra 5% back on select Tata Neu App categories after registering for NeuPass.
  • Travel Perks
    • Complimentary Lounge Access:
    • Domestic: 8 lounge visits per year (2 per quarter).
    • International: 4 Priority Pass accesses annually for Visa variant users.
  • Insurance Coverage:
    • Accidental air death cover: ₹1 Crore.
    • Emergency overseas hospitalization: Up to ₹15 Lakhs.
    • Lost card liability: Up to ₹9 Lakhs.
  • Fuel Surcharge Waiver
    • Get a 1% waiver on fuel surcharge for transactions between ₹400 and ₹5,000, with a maximum benefit of ₹500 per billing cycle.
  • Welcome Bonus
    • Earn 1,499 NeuCoins as a welcome benefit when you make your first transaction within 30 days of card issuance.
  • Renewal Fee Waiver
    • Spend ₹3,00,000 or more annually to have your renewal fee waived off.
  • Contactless Payments
    • Enabled for fast and secure transactions at retail outlets.

Fees And Charges

Fee TypeDetails
Joining Fee₹1,499 + GST
Annual Fee₹1,499 + GST
Finance Charges3.6% per month (43.2% per annum)
Cash Withdrawal Fee2.5% of amount (min ₹500)
Late Payment Fee₹100–₹1,200 (based on bill amount)
Foreign Markup Fee3.5% of the transaction amount
Add-on Card FeeFree

Pro and Cons:

Pros:

  • Generous rewards program with up to 5% back on Tata brand purchases.
  • Complimentary domestic and international lounge access.
  • Comprehensive travel insurance coverage.
  • Easy redemption of NeuCoins across various Tata brands.
  • Renewal fee waiver on spending ₹3,00,000 annually.

Cons:

  • High annual income requirement (₹12 Lakhs) may not be accessible to all.
  • ₹1,499 joining and renewal fee can be a drawback for low spenders.
  • Limited rewards for non-Tata brand purchases (1.5% back).

How To Apply

Online Application:

  1. Visit the official HDFC Bank website or the Tata Neu App.
  2. Navigate to the Tata Neu Infinity Credit Card page.
  3. Fill out the application form with your personal and financial details.
  4. Submit the required documents online for verification.

Offline Application:

  • Visit your nearest HDFC Bank branch.
  • Request an application form for the Tata Neu Infinity Credit Card.
  • Complete the form and attach the necessary documents.
  • Submit it to the bank representative for processing.

Through Tata Neu App:

  1. Log in to the Tata Neu App.
  2. Go to the credit card section and select the Tata Neu Infinity Credit Card.
  3. Complete the application process as guided within the app.

Additional Information

Rewards Redemption:

  • Redeem NeuCoins for purchases across Tata brands such as Air India Express, BigBasket, Croma, and more.
  • 1 NeuCoin equals ₹1.
  • NeuCoins expire 365 days after the last qualifying transaction.
  1. Who should get the Tata Neu Infinity Credit Card?
    • If you regularly shop from Tata brands like BigBasket, Croma, Tata CliQ, or book AirAsia flights, this card gives excellent value in NeuCoins.
  2. How are NeuCoins credited and redeemed?
    • NeuCoins are credited after billing and can be redeemed on the Tata Neu app or partner brand websites at ₹1 = 1 NeuCoin.
  3. Is there a free airport lounge access benefit?
    • Yes, you get complimentary domestic airport lounge access (typically 4 per year). Specific terms may vary.
  4. Can I waive the annual fee?
    • Yes, by spending ₹3,00,000 or more in a year, the next year’s fee is waived.
  5. Is this card international transaction enabled?
    • Yes, it supports international usage with a 3.5% markup fee on foreign transactions.

 

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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