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Tata Neu Infinity HDFC Bank Credit Card

4.43,000 reviewsShoppingUPI
Welcome offer1499 NeuCoins
Annual fee
₹ 1,499
Reward rate
10% NeuCoins on Tata Neu App
Credit score
720+
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Free to apply via CardGuruji · subject to issuer approval

Tata Neu Infinity HDFC Bank Credit Card
RuPayVisa
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

10% NeuCoins on Tata Neu App

1.5% on other spends. 1 NeuCoin = ₹1

Reward currency
NeuCoins
Card network
RuPay · Visa
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 8 Domestic + 4 International Lounge Access

  • UPI on RuPay

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Great for Tata ecosystem

  • UPI enabled

What to watch out for

  • NeuCoins restriction

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹1,499Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
1%
Foreign currency markup
2%
Late payment
₹1300
Returned payment
₹500

Interest rates

Charged on any balance you carry forward

Purchases
3.6%
Balance transfer
3.6%
Cash advance
3.6%

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

720+out of 900
Good credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of HDFC Bank are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Tata Neu Infinity HDFC Bank Credit Card

Everything you need to know about Tata Neu Infinity HDFC Bank Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for Tata Neu Infinity HDFC Bank Credit Card is nominal, and the annual renewal fee is ₹1499 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Tata Neu Infinity HDFC Bank Credit Card from HDFC Bank, a CIBIL score of 720 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Tata Neu Infinity HDFC Bank Credit Card is designed to reward everyday spends. It currently features: "1499 NeuCoins". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via HDFC Bank's rewards portal.

Yes, Tata Neu Infinity HDFC Bank Credit Card offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for Tata Neu Infinity HDFC Bank Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.