HDFC TATA Infinity Plus Credit Card

The Tata Neu Infinity HDFC Bank Credit Card is a premium co-branded credit card designed for customers who frequently shop, travel or make payments through Tata Neu and participating Tata brands. The card offers NeuCoins on eligible transactions, including spends on partner Tata brands and eligible non-Tata purchases.

Cardholders can also earn NeuCoins on eligible UPI transactions when using the RuPay variant, subject to the applicable monthly limit. Additional benefits may include airport lounge access and other Tata Neu-related offers. Since reward rates, exclusions and promotional benefits can change, cardholders should check the latest terms and conditions before applying or making a purchase.

Key Benefits & Features of Tata Neu Infinity HDFC Bank Credit Card

• NeuCoins on Tata Neu spends: Eligible Tata Neu transactions can earn enhanced NeuCoins, with the overall benefit depending on the applicable Tata Neu and card terms.
• Rewards on Tata partner brands: Eligible non-EMI retail transactions at participating Tata brands earn 5% back as NeuCoins. HDFC Bank states that this comprises 1.5% base NeuCoins and an additional 3.5% on eligible partner Tata-brand transactions.
• Rewards on other eligible spends: Eligible non-Tata retail spends earn 1.5% back as NeuCoins.
• UPI rewards on RuPay: Eligible UPI transactions made using the RuPay version of the card earn 1.5% back as NeuCoins, subject to a maximum of 500 NeuCoins per calendar month.
• Flexible UPI reward structure: For eligible UPI transactions, the reward can comprise 0.50% for transactions made using a UPI ID, with an additional 1% when the Tata Neu UPI ID is used, subject to the applicable monthly cap.
• Airport lounge access: The Infinity variant includes complimentary airport lounge access, subject to the card's prevailing eligibility conditions and usage limits. Tata Neu currently highlights airport lounge access as a key benefit of the card.
• Reward exclusions: NeuCoins are not earned on certain transactions, including fuel, wallet loads, cash advances, card-fee payments, rental and government-related transactions, along with other categories specified in the card's terms.

NeuCoins Rewards Structure on Tata Neu Credit Cards

• The reward system is simple because NeuCoins are distributed in a way that 1 NeuCoin = ₹1.
• 10% NeuCoins are spent on the Tata Neu app, 5% base + 5% from NeuPass.
• NeuCoins of 5% on non-EMI Tata brand purchases.
• NeuCoins are 1.5% of all other eligible expenditures.
• UPI spends are limited to 500 NeuCoins per month and are calculated as 0.50% base + 1.00% additional if using a Tata Neu UPI ID, for a total of 1.5%.
• Specific categories of NeuCoins have monthly caps:
Spending on utilities, telecom, and cable is limited to 2,000 NeuCoins per calendar month.
• The monthly limit for base rewards for groceries is ₹2,000 NeuCoins.

Tata Neu Infinity Credit Card – Annual Benefits & Savings Breakdown

Fees & Charges on Tata Neu Infinity HDFC Bank Credit Card

The Tata Neu Infinity HDFC Bank Credit Card carries an annual fee, along with other applicable charges. The key charges include:

HDFC Bank's published terms list an annual fee of ₹1,499 and indicate that the renewal fee can be waived when eligible spends reach ₹3 lakh in the preceding year.

Fees, taxes and waiver conditions may be revised by the issuer. Applicants should check the latest HDFC Bank pricing and terms before applying.

Eligibility & Documents Requirement

Salaried Applicants

• Nationality: Indian citizen
• Age: 21 to 60 years
• Monthly Income: ₹1 lakh or above

Self-Employed Applicants

• Nationality: Indian citizen
• Age: 21 to 65 years
• Annual Income (as per ITR): More than ₹12 lakh

Documents Required

• Identity proof: PAN card, Aadhar card, Voter ID, and passport.
• Address proof: Aadhar card, utility bill, rental agreement.
• Income proof: Salary slip of last 3 months, bank statement, ITR for self-employed.
• Photograph: A recent passport size photo.

How to Apply for Tata Neu Infinity HDFC Bank Credit Card

• Visit the official HDFC Bank website and select "Discover Products" from the homepage navigation menu. Choose "Cards" from the list of products, go to the Credit Cards section, and click "Apply Now" to begin your application.
• After clicking you will be directed to the HDFC TATA Infinity Plus Credit Card page.
• Enter and verify your mobile number, date of birth and PAN details.
• Review and confirm your personal information.
• Choose the credit card that best suits your requirements.
• Submit the application and receive your card after approval.

Depending on your profile, you may be asked to upload additional documents or complete Video KYC during the application process.

Pros and Cons

Pros

• Attractive NeuCoin rewards on eligible Tata Neu and partner Tata brand spends.
• Rewards on eligible non-Tata purchases and RuPay UPI transactions.
• Complimentary airport lounge access, subject to applicable conditions.
• Annual fee can be waived on meeting the required spending threshold.
• Useful for customers who regularly shop across Tata brands.

Cons

• Annual fee of ₹1,499 + applicable taxes.
• Reward earnings are subject to category-wise exclusions and caps.
• UPI rewards have a monthly NeuCoin limit.
• The card may offer limited value to customers who rarely use Tata Neu or Tata partner brands.
• Foreign currency transactions attract a 2% markup fee.

FAQs

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Given that this type of data may change over time, we cannot guarantee the accuracy of the information supplied or included within it. It is anticipated that the user will confirm with the relevant source before making any choices or taking any actions.