एचडीएफसी टाटा न्यू इन्फिनिटी क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.
Premium Tata ecosystem RuPay card delivering up to 10% NeuCoins on Tata brands, 8 domestic & 4 international lounge visits, and UPI payment support.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
1,499 NeuCoins (worth ₹1,499) credited into Tata Neu app account upon completing first transaction within 30 days of card issuance.
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.
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).
Annual fee reversal on ₹3,00,000 annual spend. RuPay variant enables seamless QR code payment over UPI linked to credit line.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹1,00,000/month (Salaried) / ₹12,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Open Tata Neu app or visit hdfcbank.com. Step 2: Select 'Tata Neu Infinity HDFC Bank Credit Card'. Step 3: Enter PAN and mobile number for instant eligibility check. Step 4: Confirm employment details and annual income. Step 5: Complete online Aadhaar e-KYC and digital video verification. Step 6: Digital card activated instantly in Tata Neu for UPI; physical card dispatched within 3 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.