Tata Neu Infinity HDFC Bank Credit Card
Joining Fee: ₹1,499 + GST
Renewal Fee: ₹1,499 + GST
(Currently being offered as lifetime free)
Reward Type: Reward Points
Welcome Benefits
Bonus Neu Coins: Receive 1,499 bonus Neu Coins upon making your first transaction within 30 days of card issuance. This amount equals the card's joining fee.
Rewards Structure
TataNeu App/Website Purchases: Earn 5% NeuCoins.
Neu Pass Activation: Additional 5% NeuCoins upon activation.
Partner Tata Brands: 5% NeuCoins on purchases from brands such as AirAsia India, Tata 1mg, Tata CLiQ, Croma, cult.fit, Big Basket, Westside, and IHCL.
UPI Spends: 1.5% NeuCoins capped at 500 NeuCoins per month when transcated through Tata Neu mobile app else you will receive 0.5% when paid using other UPI apps eg. Paytm,PhonePe, Google Pay etc.
Exclusions: No NeuCoins on wallet reloads, fuel purchases, rent, cash withdrawals, or EMI transactions.
Reward Redemption
Redeem NeuCoins: Use NeuCoins for purchases with brands like AirAsia India, Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, IHCL hotel bookings, Tata 1MG, and Qmin.
Points Value: 1 NeuCoin = ₹1.
Airport Lounge Benefits
Domestic Lounge Access: Enjoy 8 complimentary visits per year (capped at 2 visits per quarter) to domestic lounges with both Visa and RuPay variants.
International Lounge Access: Get 4 complimentary visits to international lounges per year via Priority Pass (one visit per quarter). Additional visits are charged at $27 plus GST each.
Spend-Based Fee Waiver
Renewal Fee Waiver: Waive the renewal fee of ₹1,499 by spending ₹3 lakhs or more in the previous anniversary year.
Insurance Benefits
Accidental Air Death Cover: Up to ₹1 crore.
Emergency Overseas Hospitalization: Coverage up to ₹15 lakhs.
Lost Card Liability: Coverage up to ₹9 lakhs.
Fuel Surcharge Waiver
Fuel Transactions: Get a 1% waiver on fuel transactions between ₹400 and ₹5,000, with a maximum waiver of ₹500 per statement cycle.
Here's a comparison table for the Tata Neu Infinity HDFC Bank Credit Card and Tata Neu Plus HDFC Bank Credit Card:
| Feature | Tata Neu Infinity HDFC Bank Credit Card | Tata Neu Plus HDFC Bank Credit Card |
|---|---|---|
| Joining Fee | ₹1,499 + GST | ₹499 + GST |
| Renewal Fee | ₹1,499 + GST | ₹499 + GST |
| Best Suited For | Shopping | Shopping |
| Welcome Benefits | 1,499 NeuCoins | 499 NeuCoins |
| Rewards Rate | 10% NeuCoins on Tata Neu app, 5% on Tata brands, 1.5% elsewhere | 7% NeuCoins on Tata Neu app, 2% on Tata brands, 1% elsewhere |
| Reward Redemption | Redeemable on Tata partner brands via Tata Neu app at 1 NeuCoin = ₹1 | Redeemable on Tata partner brands via Tata Neu app/website at 1 NeuCoin = ₹1 |
| Domestic Lounge Access | 8 complimentary visits per year | 4 complimentary visits per year |
| International Lounge Access | 4 complimentary visits per year | Not Available |
| Insurance Benefits | ₹1 crore air accident cover, ₹15 lakhs emergency hospitalization, ₹9 lakhs lost card liability | Not Available |
| Spend-Based Fee Waiver | Renewal fee waived on ₹3 lakhs annual spend | Renewal fee waived on ₹1 lakh annual spend |
| Fuel Surcharge Waiver | 1% on transactions between ₹400 and ₹5,000 (Max ₹500 per statement cycle) | 1% on transactions between ₹400 and ₹5,000 (Max ₹250 per statement cycle) |
This table highlights the key differences and similarities between the two cards.
Summary
The Tata Neu Infinity Credit Card offers 1,499 bonus NeuCoins upon your first transaction within 30 days. Earn 5% NeuCoins on TataNeu app/website purchases and with Neu Pass activation, and 5% on Tata partner brands like AirAsia India and Croma. UPI spends earn 1.5% NeuCoins, capped at 500 per month. NeuCoins can be redeemed with various Tata brands and partners at a rate of 1 NeuCoin = ₹1. Enjoy 8 domestic lounge visits and 4 international lounge visits annually, with additional visits costing $27 plus GST each. The renewal fee of ₹1,499 is waived with a ₹3 lakh annual spend. Insurance benefits include up to ₹1 crore for accidental air death and up to ₹15 lakhs for emergency overseas hospitalization. Get a 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹500 per statement cycle.