Home » Credit Cards » Tata Neu Infinity HDFC Credit Card 2026: 5% NeuCoins on Tata Brands, 1.5% on All Spends & Lounge Access (₹0 First-Year Fee)

Credit Cards

Tata Neu Infinity HDFC Credit Card 2026: 5% NeuCoins on Tata Brands, 1.5% on All Spends & Lounge Access (₹0 First-Year Fee)

APPLY NOW

SaveSavedRemoved 0

October 19, 2026

5 Views

Tata Neu Infinity HDFC Credit Card 2026: 5% NeuCoins on Tata brands, 1.5% on other spends, lounge access & ₹0 first-year fee. Check details & apply now.

Key Highlights at a Glance

Rewards & Benefits Fact Sheet

💳 Fees

• Joining fee: ₹0 for a limited time (regular ₹1,499 + GST).
• Renewal fee: ₹1,499 + GST, waived if you spend ₹3 lakh or more in the preceding year.
• Welcome NeuCoins: 1,499 NeuCoins are given as a reversal of the first-year fee, so they apply only on priced cards. They do not apply while the joining fee is ₹0.

🎯 NeuCoins Reward Rates (1 NeuCoin = ₹1, so each % below is also the real % value)

• Tata Neu: 5%
• Partner Tata brands, online and in-store: 5%. Brands include Croma, bigbasket, Westside, Tata 1mg, AirAsia, Tata CLiQ, IHCL hotels, Qmin, Tata Play, Tata Pay, Cult, the Titan group and Tanishq group.
• Air India: 5% on transactions from 1 Oct 2023 (website, app and POS). This comes on top of any Flying Returns benefits.
• Other spends: 1.5%
• How the 5% is built: 1.5% base + 3.5% additional on partner-brand transactions.
• Extra NeuPass reward: an additional 5% on eligible Tata Neu spends for NeuPass members.
• EMI at partner merchants:
• RuPay UPI only: 1.5% on the Tata Neu UPI ID (including spends at partner Tata brands) and 0.5% on other UPI IDs.

🧮 Real Spend Examples

• ₹5,000 at a partner brand: 250 NeuCoins = ₹250
• ₹20,000 on other spends: 300 NeuCoins = ₹300
• ₹10,000 via the Tata Neu UPI ID (RuPay): 150 NeuCoins = ₹150
• ₹1,00,000 of non-partner grocery spend: 1,500 base NeuCoins = ₹1,500

🚫 Zero-Reward / Excluded Categories

• No NeuCoins on fuel, government, rental, post-transaction EMI conversion and wallet load transactions.
• Bill payment (Tata Pay), Air India and Tata Play are not eligible for the additional 5% via NeuPass.

⚠️ Fine Print

• Grocery cap: base rewards on grocery spends are capped at 2,000 NeuCoins per month. At 1.5%, you reach the cap at about ₹1,33,333 of grocery spend. Accelerated rewards on eligible transactions are unlimited, subject to HDFC’s Fair Usage Policy.
• UPI cap: a maximum of 700 NeuCoins (₹700) per calendar month on UPI spends. At 1.5%, that is about ₹46,667 via the Tata Neu UPI ID. At 0.5%, it is ₹1,40,000 via other UPI IDs.
• Crediting: NeuCoins reach your Tata Neu account within 7 working days after your statement is generated. Partner-brand bonus coins are calculated on the calendar month’s transactions, not the statement cycle.
• Expiry: 365 days from the date NeuCoins are credited to your Tata Neu account.
• Redemption:
  • Via Tata Pay: Tata Neu, AirAsia India, bigbasket, Croma, IHCL hotels
  • Via the “NeuCoins / Loyalty Redemption” option: Tata CLiQ, Tata 1mg, Titan and Tanishq (via Tata Neu)
  • In stores: Croma and IHCL, with an OTP sent to your registered mobile
  • Not available on: Air India, Tata Play, and bill payment on Tata Neu

🛋️ Lounge Access

• Domestic: 2 per quarter, through the DreamFolks network. ₹50,000 quarterly spend required.
• International (Visa):
  • 1 free visit per quarter using the Priority Pass card (1,000+ lounges in 90+ countries).
  • The card is posted to your registered address after approval and is valid for 3 years.
  • Visits beyond the free allowance, and every guest visit, cost US $27 + GST. Any lounge visit within India on Priority Pass is charged at US $27 + GST.
  • Charges are billed to your statement within 90 days of the visit.
• International (RuPay): 1 per quarter at lounges on the RuPay international lounge list.
• The primary and add-on cardholders share the free Priority Pass allowance, and each uses their own card.

⛽ Fuel Surcharge Waiver

• 1%. Capped at ₹500 per month at fuel stations across India, on transactions between ₹400 and ₹5,000.

🌍 Forex Markup

• [confirm forex markup]

🏦 Variant Note (Visa vs RuPay)

• UPI rewards apply only to the RuPay variant.
• International lounge access works differently by network: Visa gets a Priority Pass card, and RuPay uses the RuPay lounge list.
• Choose RuPay if you want UPI rewards. Choose Visa if you want the Priority Pass card.

Eligibility Criteria

• Applicant must be a salaried professional, self-employed professional or self-employed business person.
• Salaried: age 21–60 years, gross monthly income above ₹1,00,000.
• Self-employed: age 21–65 years, last year’s ITR above ₹12 lakh per annum.
• Existing HDFC Bank credit card holders can apply. Their existing card’s credit limit is shared with this card.
• Indian nationals.
• Approval is at HDFC Bank’s sole discretion, subject to documentation and verification.

Required Documents

• PAN card.
• Identity and address proof (Aadhaar or equivalent).
• Salaried: income proof such as recent salary slips or bank statements.
• Self-employed: last year’s ITR, plus business or professional proof if requested.
• Recent passport-size photograph, if requested.

How to Apply

1. Tap the Apply button above to open the Tata Neu HDFC Bank Credit Card page.
2. Select NeuCard Infinity (not Plus) and choose Visa or RuPay.
3. Enter your details and complete KYC.
4. Wait for HDFC Bank’s decision.
5. Download the Tata Neu app and register for NeuPass to unlock the extra 5% on eligible categories.

Tata Neu Infinity HDFC Credit Card 2026: 5% NeuCoins on Tata Brands, 1.5% on All Spends & Lounge Access (₹0 First-Year Fee)

APPLY NOW