1Ranked firstHHDFC BankTata Neu Infinity₹1,499/yr · IN
Store & Retail · India
Tata Neu Infinity HDFC Bank Credit Card
4.5 / 5 editorial score
Best for: regular Tata Neu and Tata brand shoppers who want 5% back as NeuCoins and 1.5% on other spends.
Annual fee₹1,499/yr
IssuerHDFC Bank
NetworkVisa or RuPay
Welcome offer1,499 NeuCoins on the first transaction within 30 days of ca…
Interest rate3.75% a month (45% a year)
Foreign fee3.5% of the transaction value
Who qualifiesSalaried: ₹1 lakh monthly income, ag…
Why it ranks
- Strong value if you spend within the Tata ecosystem
- RuPay variant earns NeuCoins on UPI spends
- International lounge access at a mid-range fee
What holds it back
- NeuCoins are only useful on Tata Neu and partner brands
- Domestic lounge access now needs ₹50,000 spend a quarter
- NeuCoins on grocery, utility and UPI spends are capped
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Tata Neu Infinity HDFC Bank Credit Card returns 5% as NeuCoins on Tata Neu and partner Tata brands and 1.5% on most other spends. The ₹1,499 fee is waived on ₹3 lakh annual spend, and domestic lounge access is now spend-based.
Tata Neu Infinity HDFC Bank Credit Card at a glance
| Issuer | HDFC Bank |
| Card network | Visa or RuPay |
| Annual fee | ₹1,499 + GST (renewal fee waived on ₹3 lakh annual spend) |
| Welcome bonus | 1,499 NeuCoins on the first transaction within 30 days of card issuance |
| Rewards rate | 5% back as NeuCoins on Tata Neu and partner Tata brands (non-EMI); an extra 5% on selected Tata Neu categories with NeuPass; 1.5% on other eligible spends; up to 1.5% on UPI (RuPay), capped at 500 NeuCoins a month |
| Intro APR | None |
| Regular APR | 3.75% a month (45% a year) |
| Foreign transaction fee | 3.5% of the transaction value |
| Airport lounge access | Domestic: 2 lounge vouchers a quarter (up to 8 a year) on spends of ₹50,000 in a calendar quarter. International: 4 visits a year, 1 a quarter (Priority Pass issued on request for the Visa card) |
| Credit needed | Salaried: ₹1 lakh monthly income, age 21 to 60; self-employed: ITR above ₹12 lakh, age 21 to 65 |
| Best for | Regular shoppers on Tata Neu and partner Tata brands who spend ₹3 lakh a year |
Key features
- 5% NeuCoins on Tata Neu and partner Tata brand spends
- 1.5% NeuCoins on other eligible spends and merchant EMI
- 2 domestic lounge vouchers a quarter on ₹50,000 quarterly spend
- 4 international lounge visits a year, 1 a quarter
- 1% fuel surcharge waiver
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: hdfc.bank.in · hdfc.bank.in · hdfc.bank.in
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | HHDFC BankTata Neu Infinity₹1,499/yr · IN Tata Neu Infinity HDFC Bank Credit CardRegular shoppers on Tata Neu and partner Tata brands who spend ₹3 lakh a year |
₹1,499/yr | 5% back as NeuCoins on Tata Neu and partner Tata brands (non-EMI); an extra 5% o… | 1,499 NeuCoins on the first transaction within 30 days of ca… | 3.5% of the transaction va… | Salaried: ₹1 lakh monthly income… | |
| 2 | HHDFC BankHDFC Infinia Metal Edition₹12,500/yr · IN HDFC Infinia Credit Card (Metal Edition)High-net-worth spenders who want top-tier travel and luxury perks |
₹12,500/yr | 3.3% base value, up to 33% on SmartBuy bookings | 12,500 bonus Reward Points on fee payment | 2% markup on foreign curre… | Excellent | |
| 3 | HHDFC BankHDFC Diners Club Black Metal₹10,000/yr · IN HDFC Diners Club Black Metal Credit CardFrequent flyers who want luxury perks on the Diners network |
₹10,000/yr | 3.3% base, up to 33% via SmartBuy | Club Marriott, Amazon Prime and Swiggy One (3 months) on spe… | 2% markup on foreign curre… | Excellent | |
| 4 | IICICI BankAmazon PayNo annual fee · IN Amazon Pay ICICI Bank Credit CardAmazon regulars who want a free everyday cashback card |
None | 5% Amazon (Prime), 3% (non-Prime), 1% elsewhere | Amazon Pay balance offer on activation (varies) | 1.99% markup on foreign cu… | Invite-only; ICICI lists age 21+… |
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