INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official hdfcbank.com (HDFC Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️HDFC Bank Ltd.Network: RuPay / VisaShopping & Rewards CardsLast Verified: 2026-09-28

HDFC Tata Neu Infinity Credit Card

एचडीएफसी टाटा न्यू इन्फिनिटी क्रेडिट कार्ड

Premium Tata ecosystem RuPay card delivering up to 10% NeuCoins on Tata brands, 8 domestic & 4 international lounge visits, and UPI payment support.

Annual Fee₹1,499 + GST (Renewal: ₹1,499 + GST)

Reward Rate5% NeuCoins on Tata Neu and partner Tata brands (Air India Express, BigBasket, Croma, Cult.fit, IHCL Hotels, Tata 1mg, Tata CLiQ, Titan, Westside). An additional 5% NeuCoins on select categories for NeuPass members (total up to 10% value back). 1.5% NeuCoins on non-Tata retail spends and UPI merchant transactions.

Airport Lounge8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter). 4 complimentary international lounge visits per calendar year using Priority Pass.

Forex MarkupLow 2.00% + GST markup on foreign currency transactions.

What Is This Card

HDFC Tata Neu Infinity is the premium co-branded RuPay credit card designed for power shoppers of the Tata group ecosystem. It couples high 5% to 10% NeuCoin return with 8 domestic and 4 international airport lounge visits, a 2.0% forex markup, and full UPI QR credit capability.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹1,499 + GST (Renewal: ₹1,499 + GST)

Fee Waiver: Spend ₹3,00,000 or more in each preceding anniversary year to get the annual renewal fee of ₹1,499 waived.

🎁Welcome Benefit

1,499 NeuCoins (worth ₹1,499) credited into Tata Neu app account upon completing first transaction within 30 days of card issuance.

⚡Reward Points Structure

5% NeuCoins on Tata Neu and partner Tata brands (Air India Express, BigBasket, Croma, Cult.fit, IHCL Hotels, Tata 1mg, Tata CLiQ, Titan, Westside). An additional 5% NeuCoins on select categories for NeuPass members (total up to 10% value back). 1.5% NeuCoins on non-Tata retail spends and UPI merchant transactions.

Redemption Value: 1 NeuCoin = ₹1.00 directly redeemable across all Tata ecosystem brands via the Tata Neu app.

🛫Airport & Railway Lounge Access

8 complimentary domestic airport lounge visits per calendar year (2 visits per calendar quarter). 4 complimentary international lounge visits per calendar year using Priority Pass.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Accidental air death cover of ₹1 Crore. Emergency overseas medical treatment cover up to ₹15 Lakhs. Lost card liability cover up to ₹9 Lakhs.

Fuel Surcharge: 1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹500 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Annual fee reversal on ₹3,00,000 annual spend. RuPay variant enables seamless QR code payment over UPI linked to credit line.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

NeuCoins expire within 12 months. Spend-based fee waiver threshold is ₹3 Lakhs. NeuCoins must be spent inside Tata Neu and cannot be redeemed for cash statement credit.

Forex Markup FeeLow 2.00% + GST markup on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.60% monthly finance charges.

Finance Charges (Interest)3.60% per month (43.20% per annum) on revolving balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).

Reward Points ExpiryNeuCoins expire 1 year (12 months) from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, wallet top-ups, rent payments, educational institutional fees, and government tax payments.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly salary exceeding ₹1,00,000. Self-employed individuals aged 21 to 65 with annual ITR exceeding ₹12,00,000.

Age Requirement21 to 60 Years

Minimum Income₹1,00,000/month (Salaried) / ₹12,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 750+ is recommended.

SBI RelationshipNot mandatory. Open to all qualifying Indian citizens.

How to Apply (Official Procedure)

Online Digital Application Flow

1Open Tata Neu app or visit hdfcbank.com.

2Select 'Tata Neu Infinity HDFC Bank Credit Card'.

3Enter PAN and mobile number for instant eligibility check.

4Confirm employment details and annual income.

5Complete online Aadhaar e-KYC and digital video verification.

6Digital card activated instantly in Tata Neu for UPI; physical card dispatched within 3 business days.

Branch Application for Offline Applicants

Apply at any HDFC Bank branch with self-attested copies of PAN, Aadhaar, salary slip, and a passport-size photo.

Visit Official Card Page (hdfcbank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card, Passport, or Voter ID

3. Proof of Income: Last 3 months' salary slips with Form 16 OR Audited ITR acknowledgment for last 2 years

4. Passport-size photograph.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on HDFC Tata Neu Infinity Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on HDFC Tata Neu Infinity Credit Card into EMI?

Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on HDFC Tata Neu Infinity Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 NeuCoin = ₹1.00 directly redeemable across all Tata ecosystem brands via the Tata Neu app. Please note: NeuCoins expire 1 year (12 months) from the date of accrual.

What is the interest-free grace period on HDFC Tata Neu Infinity Credit Card and how does it work?

The interest-free period on HDFC Tata Neu Infinity Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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