Rated 19 Oct 2026 after reading every document the bank publishes for this card. Not a recommendation. How we rate
Open to new applications · Earns cashback
First-year fee
₹1,499 + GST
Annual fee
₹1,499 + GST
What it gives back
5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands; 1.5% back as NeuCoins on Non-Tata Brand Spends.
Compared with the cards we have read
Annual feeJoining fee
₹1,499 + GST
Fee waiver rule
Fee waived if you spend ₹3,00,000.
Add-on card fee
₹0
Welcome benefit
Get 1,499 NeuCoins on Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance and will be available to claim inside Tata Neu App within 60 days of such transaction.
Reward rate
5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands; 1.5% back as NeuCoins on Non-Tata Brand Spends.
EMI spend earning
Merchant EMI spends earn 1.5% back as NeuCoins.
Fuel earning
NeuCoins will not be accrued for Fuel related transactions.
Government spend earning
NeuCoins will not be accrued for Government related transactions.
Groceries earning
1.5% NeuCoins on the eligible Grocery/Insurance/Utility/Telecom&Cable transactions.
Insurance spend earning
Insurance spends: NeuCoins have a maximum of 2,000 per month.
Online earning
Earn additional 5% back as NeuCoins on selected categories on Tata Neu App/Website, post downloading Tata Neu App and registering for NeuPass; Currently, Bill Payment (Tata Pay), Tanishq, Cult.fit, Air India, Tata Play spends are not eligible for additional 5% NeuCoins via NeuPass Membership.
Rent earning
NeuCoins will not be accrued for Rental related transactions.
Reward earning on dining spends
1.5% back as NeuCoins on a restaurant bill payment, like other non-EMI retail spends on non-Tata brands.
Travel earning
5% back as NeuCoins (Non-EMI) on partner Tata Brands. Travel brands: IHCL, Air India Express, Air India (eligible for additional NeuCoins w.e.f. 3-Oct — 23). Maximum Monthly Spends Eligible for 5% back as NeuCoins: ₹8,00,000. Maximum Annual Spends Eligible for 5% back as NeuCoins: ₹30,00,000
Utilities earning
NeuCoins earned on Utility transactions will be capped at 2,000 NeuCoins per calendar month.
Wallet load earningReward exclusions
NeuCoins will not be accrued for Fuel, Wallet, Rental, Government and Online Gaming related transactions.
Reward caps
Maximum 50,000 reward points can be earned in a statement cycle; applicable only on the spend categories that does not have an existing Fair Usage Policy
Award examples
Example: ₹21,100 purchase on a partner Tata Brand earns 5% NeuCoins: 317 base and 739 additional.
What one reward unit is worth
1 NeuCoin = ₹1
Cashback redemption
Not offered: NeuCoins cannot be exchanged for cash.
Catalogue redemption
You can use your NeuCoins by selecting Tata Pay/ NeuCoins /Loyalty Redemption as the payment method.
Flight redemption
NeuCoins for purchases on Air India Express.
Hotel redemption
Hotel Bookings/Purchases on IHCL
Points transfer redemption
On periodic basis (within 7 working days of the statement generation) the NeuCoins will be transferred to Tata Neu by the Bank; NeuCoins transferred to Tata Neu will be available for redemption on Tata Neu App
Redeeming points for travel
NeuCoins can be used for purchases on Tata Neu at brands like Air India Express and for hotel bookings or purchases on IHCL.
Statement-credit redemption
Not offered: NeuCoins cannot be exchanged for credit.
Point expiry
Validity of 12 months (including lock period) from the end of the month
Airline and hotel partners points may move to
The bank's documents don't say.Checked 19 Oct 2026
Reward earning on international spends
The bank's documents don't say.Checked 19 Oct 2026
International lounge access
4 Complimentary Lounge Access per calendar year (1 per Quarter), outside India.
Domestic lounge access
2 Complimentary Domestic Lounge Voucher per calendar quarter (up to 8 per calendar year) on spends of ₹50,000 or more in a calendar quarter
Priority Pass
Priority Pass on Tata Neu Infinity HDFC Bank Credit Card- VISA will be issued only basis request
Milestone benefits
W.e.f 10-Jun — 2025, Domestic Lounge Access benefit will be Milestone based and can be availed as a Lounge Voucher on spends of ₹50,000 or more in a calendar quarter
Retention or continued-access criteria
Card account is closed if the card is not used for a continuous 1 year and the cardholder does not start using it within 30 days of the bank's notice, subject to payment of all dues
Minimum spend rules
Transactions below ₹100 will not earn CashPoints (earned in multiples of ₹100)
Renewal benefit
The bank's documents don't say.Checked 19 Oct 2026
Golf
The bank's documents don't say.Checked 19 Oct 2026
Concierge
The bank's documents don't say.Checked 19 Oct 2026
Dining programme
The bank's documents don't say.Checked 19 Oct 2026
Hotel or travel programme
The bank's documents don't say.Checked 19 Oct 2026
Movies and entertainment
The bank's documents don't say.Checked 19 Oct 2026
Movie or entertainment ticket benefit
The bank's documents don't say.Checked 19 Oct 2026
Membership tiers and what unlocks them
The bank's documents don't say.Checked 19 Oct 2026
Benefit given each anniversary year
The bank's documents don't say.Checked 19 Oct 2026
Fuel surcharge waiver
1% fuel surcharge waiver at all fuel stations across India on minimum transaction of ₹400 & maximum transaction of ₹5,000; maximum waiver of ₹500 per statement cycle
Surcharge on railway tickets
1% of the transaction amount, plus applicable GST
Air accident cover
Accidental air death cover worth ₹1 Crore.
Lost card liability
Lost Card Liability Cover: Up to ₹9 lakhs
Medical and hospitalisation cover
Emergency overseas hospitalization: up to ₹15 lakhs
Balance transfer terms
Balance transfer fee of 1% of the transferred amount, with a minimum charge of ₹250, plus applicable taxes
Purchase to EMI conversion
Smart EMI / Dial an EMI: cardholder converts purchases (post settlement) into a loan account.
Purchase protection
The bank's documents don't say.Checked 19 Oct 2026
Travel insurance
The bank's documents don't say.Checked 19 Oct 2026
Credit shield cover
The bank's documents don't say.Checked 19 Oct 2026
Add-on card eligibility
The bank's documents don't say.Checked 19 Oct 2026
Forex markup
2% on foreign currency transactions.2% FCY mark-up
Dynamic currency conversion markup
With effect from 15th May 2026, a markup fee of 1.75% is levied on all transactions carried out in Indian Currency at an international location or at merchants located in India but registered overseas
Cash advance fee
2.5% or ₹500 whichever is higher.
Cash advance interest
Finance charge equal to charges on revolving credit, from the date of withdrawal until the date of full payment
Cash withdrawal limit
40% of the Credit Limit.
Interest on unpaid balance
3.75% per month
Interest-free period
Get up to 50 days of interest-free Credit from the date of purchase.
Late payment fee
Nil to ₹1300/- (Excl. GST)
Over-limit fee
2.5% of the overlimit amount, subject to minimum of ₹550, basis explicit consent
Payment return or dishonour fee
2% of Payment amount, subject to minimum of ₹450 (applicable for cheque payment return or unsuccessful payment attempt through Autopay facility)
Statement or duplicate statement fee
₹10 per duplicate physical statement.
Card replacement fee
₹199 for non-metal cards; ₹3,500 for metal cards.
Cash payment / cash deposit fee
₹100 (for all card payments made by depositing in HDFC Bank branches or ATMs)
Charge for lounge visits beyond the free limit
If you exceed the 4 Complimentary (1 per Quarter) visits, you will be charged at US $27 + GST per visit
Education / school fee charge
1% fee on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc.; fee capped at ₹4999 per transaction. Education transactions done directly through college / school websites or through POS machines at their premises will not be charged; international Education transactions will not be charged.
EMI conversion fee
Smart EMI processing fee: upto ₹849 (exclusive of GST for all loan amounts)
Fee on online skill-based gaming spends
From 1st July 2025, 1% fee on online skill-based gaming spends exceeding ₹10,000 in a calendar month; fee applied on the total online skill-based gaming spends in the calendar month; fee capped at ₹4999 per month
Foreign ATM fee
Cash from ATMs in India or abroad: transaction fee of 2.5% or ₹500, whichever is higher, levied on the amount withdrawn and billed in the next statement.
Wallet load charge
From 1st July 2025, 1% fee on wallet loading spends (excl PayZapp) exceeding ₹10,000 in a calendar month; fee applied on the total wallet loading spends in the calendar month; fee capped at ₹4999 per month
What the card's fee or benefit year means
If applicable, the Joining Fees will be levied on 120th day of the card issuance and Renewal Fees will be levied every year at the start of every anniversary year
Fuel transaction fee
1% fee on fuel transactions exceeding ₹15,000 for consumer cards (₹30,000 for business cards); fee applied on the total transacted amount; fee capped at ₹4999 per transaction.
Rent transaction fee
From 1st July 2025, 1% fee on transaction amount on rental transactions done on any applicable merchant for the month; fee capped at ₹4999 per transaction
Utility transaction fee
1% fee on utility spends exceeding ₹50,000 per calendar month for consumer cards (₹75,000 per calendar month for business cards); fee applied on the total utility spends in the calendar month; fee capped at ₹4999 per month.
GST note
Applicable on all Fees, Interest, and other Charges.
Grace days after the due date
3 grace days from the payment due date; late payment charges apply when past due for more than 3 days.
Minimum amount due
MAD = Total GST + EMI amount + 100% of Fees/Charges + Over-limit Amount (if any) + 5% of (Finance Charge + Retail Spends + Cash Advance) where that 5% is higher than the Finance Charge; where it is less, 100% of Finance Charges + 5% of (Retail Spends + Cash Advance) instead. MAD at or below ₹200 is charged as ₹200; if Total Amount Due is ₹200 or lower, MAD equals it.
Fee for paying the bill by cheque
The bank's documents don't say.Checked 19 Oct 2026
Age the primary cardholder must be
Salaried: age 21 – 60 years. Self-employed: age 21 – 65 years.
Eligibility
Salaried: Nationality Indian, Age 21–60 years, Income (Monthly) ₹1,00,000. Self-Employed: Age 21–65 years, Annual ITR > ₹12,00,000
Income requirement
Salaried: Income (Monthly) — ₹1,00,000; Self-Employed: Annual ITR > ₹12,00,000.
Income, salaried
Monthly income ₹1,00,000
Income, self-employed
Annual ITR > ₹12,00,000
Documents required
Identity Proof: Passport, Aadhaar card, Voter ID, Driver's licence, PAN card, Passport size photographs; Address Proof: Utility bills (electricity, water, gas), Rental agreement, Bank statement; Income Proof: Salary slips (recent), Form 16, Income Tax Returns (ITR), Bank Statements
Residency
Nationality: Indian
Spend that unlocks lounge visits in the next period
2 Complimentary Domestic Lounge Voucher per calendar quarter (up to 8 per calendar year) can be availed on spends of ₹50,000 or more in a calendar quarter; If your card is upgraded, lost, or reissued spends done on only new card will be considered. Spends done on previous card will not be considered for qualification
The period milestones are measured over and when it resets
you can access 2 Complimentary Domestic Lounge Vouchers per calendar quarter (up to 8 per calendar year)
How the earn rate is rounded
Reward Points/CashPoints are earned on transaction amounts in multiples of ₹100; a residual amount or a transaction below ₹100 will not earn CashPoints.
Whether carrying a balance ends the interest-free period
This period will be free of interest only if all previous dues are paid in full and there is no unpaid balance carried over from previous months.
Spends that do not count toward the fee waiver
Cash on Call, Balance Transfer and Cash Withdrawal transactions are excluded from the spend that counts toward the waiver
What happens to unredeemed points if the card is closed
For closed cards: reward points can be redeemed only for 30 days from the date of card closure (unredeemed points lapse), only towards products/vouchers through a manual redemption form; cashback redemption is not allowed on closed cards
What applies: ₹199 for non-metal cards
per MITC and Key Fact Statement v4.14, 9 Oct 2026
Fees and charges page says: ₹100
“The reissue charges for a lost or damaged Tata Neu Infinity HDFC Bank Credit Card are ₹100.”
“Reissue of Lost, Stolen or Damaged Card: • ₹199 for non-metal cards; • ₹3,500 for metal cards.”
What applies: 1.75% from 15 May 2026
per MITC and Key Fact Statement v4.14, 9 Oct 2026
Fees and charges page says: 2%
“The dynamic currency conversion markup fee for the Tata Neu Infinity HDFC Bank Credit Card is 2% on all foreign currency transactions.”
“Dynamic currency conversion currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas.”
On these lists
₹1,499 a year
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