Tata Neu Infinity HDFC Bank Credit Card
Up to 10% NeuCoins on Tata brands + Lounge access
Network: Rupay, Visa | Type: Cashback | Reward: Cashback
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Fees & Charges
- Joining Fee: ₹1,499 + GST
- Annual Fee: ₹1,499 + GST
- Waiver: Waived on ₹3L annual spend
- Foreign Markup: 2% + GST
- Fuel Surcharge: 1% waiver between ₹400–₹5,000; ₹500/month cap
- Redemption Fee: None
- Late Payment Fee: ₹100–₹1,300 based on bill amount
- Interest Rate: 3.49% per month
- Cash Advance: 2.5% or ₹500 (whichever higher)
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.
Rewards & Earnings
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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
Redeem NeuCoins on Tata Neu App: BigBasket, Croma, Westside, Tata CLiQ, AirAsia, IHCL Hotels & more. 1 NeuCoin = ₹1. Valid for 1 year.
Benefits
- Welcome:
1,499 NeuCoins on first transaction within 30 days + joining fee paid.
- Milestone:
Annual fee waived on ₹3L spend in anniversary year.
- Renewal:
₹1,499 waived on ₹3,00,000 annual spend
- Lifestyle:
Why We Like It
Best card for Tata loyalists & UPI users. Combines cashback rewards + lounge perks in one smart product.
Pros & Cons
✅ Pros
10% NeuCoins on Tata Neu App spends
8 domestic + 4 international lounge visits yearly
NeuCoins = ₹1; direct redemption via Tata Neu App
❌ Cons
No rewards on < ₹100 transactions
Fuel, rent, EMI, and wallet loads excluded from rewards
Full reward rate requires NeuPass activation
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.
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.
User Reviews
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