Tata Neu Infinity HDFC Credit Card

Tata Neu Infinity HDFC Credit Card is co-branded credit card that offer 10% value back reward on Tata Neu spends. It is an upgraded variant of Tata Neu plus and also comes with more Joining/annual fees. This card offer 5% value back as NeuCoin on Non-Emi spends and additional 5% value back on select Tata Neu purchase. This card is available in Rupay variant which become major chunk because you can use this in UPI and also can earn reward. Cardholder can redeem earned reward on Tata neu app/website accross its partner brands like Bigbasket, Croma, Westside, Airindia Express and many more. Apart from reward it also offer welcome benefits, complimentary lounge access, so let’s discuss in details about this credit card and find out what other features it have.

JOINING FEE
Rs. 1499+ GST
RENEWAL FEE
Rs. 1499+ GST
BENEFITS
8 Complimentary Domestic Lounge & 4 International Lounge access every Calendar Year.
REWARDS &CASHBACK
5% Back as NeuCoins on Non EMI spends on TATA Neu & Its Partner and 1.5% NeuCoins on other spends as well as on UPI.

Key Features of Tata Neu Plus HDFC Credit Card

Welcome Benefits

  • You will get 1499 NeuCoin as welcome benefits on Tata app only on making 1st transaction within 30 days of card issuance. Welcome benefits will recover your joining fee since 1 Neucoin = ₹1.

Rewards Point

  • Get 5% back as Neucoin on Non-EMI spend on Tata Neu and partner Tata brand.
  • Get 1.5% back as Neucoin on EMi spend and Non Tata brand.
  • Get 1.5% back as Neucoin on UPI spend including spends on Tata brand, maximum capping is 500 Neucoin per month. Here is a twist, 0.5% Neucoin will be back on eligible UPI spends and remaining 1% will be back on using Tata Neu UPI ID.
  • You will get additional 5% back as Neucoin on selected categories on Tata Neu app/website after registering for Neupass.
  • No Neucoin on Fuel Spends, Wallet loads, Gift or Prepaid Card load, Voucher purchase

Airport Lounge

  • Get 8 complimentary domestic airport lounge access in year, 2 in each quarter. ₹2 will be charged on Visa/Rupay card for lounge access.
  • With 4 complimentary lounge access, 1 in each quarter you and your add-on member together can use lounge with priority pass, this is only for those who have Visa variant card, for Rupay variant cardholder can use their card directly abroad.

Fuel Surcharge Waiver

  • Get 1% Fuel surcharge waiver on all fuel transaction between Rs.400 to Rs.5000. Maximum waiver is Rs.500 per month.

Spend Based Waiver

  • The annual fee of Rs.1499+GST is waived off if you have spent RS. 3 lakh in previous year.

Fees & Charges

Reward Redemption

  • You can redeem your NeuCoin on Tata Neu website for brands like Bigbasket, Croma, Westside, Airindia Express,Tata CLiQ, Tata CLiQ Luxury, TATA 1MG and many more such brands.
  • There is reward redemption charges of ₹50 per redemption request, 1 Neu Coin = Re. 1.

Foreign Currency Markup

  • The card come with foreign currency markup fee that is 2% of total transaction amount which is very decent so you can use this credit card very efficiently in abroad .

Finance Charges & Cash withdrawal Fee

  • Interest rate is 3.75% per month that is 55.55% per annum.
  • Cash withdawal fee is min Rs.500 upto 2.5% of cash withdrawal amount.
  • Pros & Cons

Pros

  • Upto 10% value back as NeuCoin on spends on Tata brands and website.
  • Good redemption value, 1Neucoin = ₹1.
  • 8 complimentary Domestic lounge and 4 International lounge access in year.

Cons

  • Very low reward rate on non tata brands.
  • No milestone benefits.
  • No Neucoin on spends such as fuel, insurance etc.
  • Final Thoughts

Tata Neu Infinity HDFC bank credit card is an excellent credit card for those who are loyal to various tata brands, you can get upto 10% value back as NeuCoin on tata partner brands. You will also get 1.5% value back on UPI spends which is great for day to day expenses. The card comes with outstanding reward rate on various tata brands and its partner, apart from reward rate you will also get complimentary lounge access within India and abroad which is great value back as such nominal annual fee. So if you are starting your credit card journey and you are looking for such credit card which have both good reward value and also some travel benefits you should definetly go for this credit card.

  • Frequently Asked Questions
What is validity of Neucoin earned on Tata Neu Infinity HDFC bank credit card?

The earned Neucoin will be valid only 365 days from last credit date.

Yes, You will only get both domestic as well as International lounge access, 2 & 1 in each quarter respectively.

Yes the annual fee is waived off on spending Rs. 3 lakh in previous year.

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