HDFC Bank credit card
Tata Neu Infinity HDFC Bank Credit Card
Up to 10% NeuCoins on Tata brands + Lounge access
Credofly overview
Is Tata Neu Infinity HDFC Bank Credit Card right for you?
Full-featured co-branded card offering massive rewards inside Tata’s ecosystem with unmatched UPI cashback and premium lounge access.
10% NeuCoins on Tata Neu App with NeuPass. 5% on Tata Brand spends. 1.5% on all other eligible retail + UPI spends.
What it costs
Fees & charges
Earning & redeeming
Rewards, made clear
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10% on Tata Neu App (NeuPass activated)
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5% on partner Tata brands
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1.5% on UPI & other eligible retail spends
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0.5% NeuCoins on non-Tata UPI
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No rewards on < ₹100, fuel, EMI, rent, wallet loads
How you can redeem
Redeem NeuCoins on Tata Neu App: BigBasket, Croma, Westside, Tata CLiQ, AirAsia, IHCL Hotels & more. 1 NeuCoin = ₹1. Valid for 1 year.
EMI Transactions, Wallet, Rent, Fuel, and Government Spends
<p>No NeuCoins on fuel, rent, wallet loads, EMI, and government spends. Also no rewards on < ₹100 spends.</p>Beyond rewards
Benefits that matter
Welcome offer
1,499 NeuCoins on first transaction within 30 days + joining fee paid.
Milestone benefits
Annual fee waived on ₹3L spend in anniversary year.
Renewal benefits
₹1,499 waived on ₹3,00,000 annual spend
Card benefits
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Free Priority Pass with 4 international lounge visits/year
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8 domestic airport lounge visits/year (2/quarter)
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NeuPass membership unlocks full Tata rewards
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Air accident & overseas health cover
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0 lost card liability
Our independent take
Credofly review
This card is a powerhouse for people who already use Tata services like BigBasket, Westside, Croma, AirAsia, and IHCL hotels. At 10% reward rate (with NeuPass) and 1.5% on UPI + retail, it’s among the best earners in the market.
Although it excludes fuel, rent, and sub-₹100 spends, the sheer volume of Tata brand overlap with daily expenses makes up for it. The lounge access (8 domestic, 4 intl) and insurance cover bring premium value at an affordable ₹1,499 annual fee — which is easily waived. Ideal for Tata fans & smart UPI spenders.
✔️ Best card for Tata Neu App and Tata brands
✔️ 10% NeuCoins + 1.5% UPI rewards
❌ Requires NeuPass for full 10% value
Why we like it
Best card for Tata loyalists & UPI users. Combines cashback rewards + lounge perks in one smart product.
Strengths
- <p>10% NeuCoins on Tata Neu App spends</p>
- <p>8 domestic + 4 international lounge visits yearly</p>
- <p>NeuCoins = ₹1; direct redemption via Tata Neu App</p>
Watch-outs
- <p>No rewards on < ₹100 transactions</p>
- <p>Fuel, rent, EMI, and wallet loads excluded from rewards</p>
- <p>Full reward rate requires NeuPass activation</p>
Before you apply
Eligibility & application
Eligibility
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Salaried: ₹1L/month net income
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Self-employed: ₹12L/year ITR
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Age 21–65
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NeuPass required for full benefits
How to apply
👉 Apply on Credofly
Submit KYC, income proof → get eKYC & approval in 2–3 days → activate via Tata Neu App.
Your questions answered
FAQs
What’s the NeuCoin value?
1 NeuCoin = ₹1. You can redeem them instantly on Tata Neu App.
Do I need to activate NeuPass?
Yes, NeuPass is required to get full 10% NeuCoins on Tata Neu App spends.
Can I earn NeuCoins on UPI spends?
Yes. 1.5% via Tata Neu UPI ID, 0.5% via other UPI IDs. Max cap ₹500/month for UPI rewards.
Is the annual fee waived?
Yes, on annual spend of ₹3 lakh.
Can I access international lounges?
Yes. 4 international + 8 domestic visits per year included.
What is the welcome benefit?
1,499 NeuCoins on first txn + fee payment in 30 days.
Any fuel surcharge waiver?
Yes. 1% waiver on ₹400–₹5,000, up to ₹500/month.
Which transactions are excluded from rewards?
Fuel, rent, EMI, wallet loads, government services, and transactions under ₹100.
From cardholders
User reviews
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