Credit Cards · Honest Review

Tata Neu Infinity HDFC Bank Credit Card

HDFC Bank · RuPay

₹1,499Annual fee
1.50%Base rate
8Lounge visits/yr
2%Forex markup
₹100KMin income/mo
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Your Verdict

Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank · RuPay
  • ✓Up to 10% NeuCoins on Tata Neu app and partner brand purchases
  • ✓5% value back on all non-EMI Tata Neu transactions
  • ✓1.5% value back on all other spends
  • ✓8 complimentary domestic and 4 international lounge visits per year
  • ✓1 NeuCoin = 1, making redemption simple and transparent
₹1,499/yrAnnual fee
₹1,499
Annual fee
1.50%
Base reward rate
8/yr
Lounge access
750+
CIBIL score
Our verdict
Tata Neu Infinity HDFC Bank Credit Card is the natural pick for shoppers loyal to the Tata ecosystem (BigBasket, Croma, Tata CLiQ, Westside, IHCL hotels), offering up to 10% back as NeuCoins on those purchases plus solid lounge access. Outside the Tata universe, the 1.5% base rate is unremarkable, so its value depends heavily on Tata brand spending habits.
Fees & charges

What Tata Neu Infinity HDFC Bank Credit Card costs you

Tata Neu Infinity HDFC Bank Credit Card carries a ₹1,499 annual fee and a ₹1,499 one-time joining fee. The annual fee is waivable: Spend 3 lakh or more in a year.

FeeAmount
Annual fee (year 2+)₹1,499
Joining fee (one-time)₹1,499
Fee waiver conditionSpend 3 lakh or more in a year
Spend required for waiver₹3,00,000 / year
Foreign transaction fee (forex markup)2% per transaction
Rewards & cashback

What you earn on every rupee spent

Tata Neu Infinity HDFC Bank Credit Card earns 1.50% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below. Each reward point is worth ₹1 when redeemed, giving a clear rupee value for your earnings.

CategoryReward rate
All other spends (base rate)1.50%
🛒 Online Shopping10%
10%
Online Shopping
Welcome bonus

NeuCoins back on Tata Neu app purchases from day one

Reward types: Cashback · Points · Lounge

Benefits & perks

Beyond the reward rate

The non-reward benefits on Tata Neu Infinity HDFC Bank Credit Card are meaningful for frequent users. Here is what you get with the card.

🛫
Airport lounge access
Domestic lounges — 8 visits/year. International lounges via Priority Pass.
⛽
Fuel surcharge waiver
1% fuel surcharge waiver on petrol pump transactions (standard terms apply).
Eligibility

Who can apply for Tata Neu Infinity HDFC Bank Credit Card

Tata Neu Infinity HDFC Bank Credit Card requires a minimum net monthly income of ₹1,00,000 for salaried applicants and a CIBIL score of 750 or above. It is open to salaried employees and self-employed professionals.

₹1,00,000
Min monthly income
750+
CIBIL score
21–65
Age (years)
RequirementDetail
Minimum monthly income₹1,00,000
CIBIL score750+ (good to excellent)
Age range21–65 years
Employment typeSalaried, Self-employed
Typical approval time5-7 working days

Salaried need minimum monthly income of 1 lakh; self-employed need minimum annual income of 12 lakh.

Verdict

Who should (and shouldn't) get Tata Neu Infinity HDFC Bank Credit Card

✅ Best for
  • → Heavy spenders on online shopping who want 10% back
  • → Frequent travelers who value airport lounge access
  • → International spenders benefiting from low forex markup
  • → Moderate spenders who can clear the fee waiver condition
⚠️ Not ideal for
    Frequently asked questions

    Tata Neu Infinity HDFC Bank Credit Card — Questions answered

    What is the annual fee for Tata Neu Infinity HDFC Bank Credit Card?
    The annual fee is ₹1,499 from year 2 onwards, with a one-time joining fee of ₹1,499. The fee is waivable: Spend 3 lakh or more in a year.
    What is the minimum income required for Tata Neu Infinity HDFC Bank Credit Card?
    Salaried applicants need a minimum net monthly income of ₹1,00,000 and a CIBIL score of at least 750. Self-employed applicants typically need equivalent annual income proof. Salaried need minimum monthly income of 1 lakh; self-employed need minimum annual income of 12 lakh.
    What is the reward rate on Tata Neu Infinity HDFC Bank Credit Card for online shopping?
    Tata Neu Infinity HDFC Bank Credit Card earns 10% on online shopping with no monthly cap. On all other spends, the base reward rate is 1.50%.
    Does Tata Neu Infinity HDFC Bank Credit Card provide airport lounge access?
    Yes — Tata Neu Infinity HDFC Bank Credit Card includes domestic airport lounge access and international airport lounge access via Priority Pass, with 8 complimentary visits per year.
    How do I get the annual fee waived on Tata Neu Infinity HDFC Bank Credit Card?
    The annual fee on Tata Neu Infinity HDFC Bank Credit Card is automatically waived when you meet the spend threshold: Spend 3 lakh or more in a year. You do not need to call the bank — the waiver is applied to the next billing cycle once the condition is met.
    How long does it take to get Tata Neu Infinity HDFC Bank Credit Card approved?
    Most applications for Tata Neu Infinity HDFC Bank Credit Card are processed within 5-7 working days. Pre-approved customers may receive instant digital approval. Physical card delivery typically takes 3–5 business days after approval.
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    Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.