Tata Neu Infinity HDFC Bank Credit Card: Features & Benefits

Summary

The Tata Neu Infinity HDFC Bank Credit Card is an HDFC Bank co-branded credit card with the Tata Group. It is specifically designed for those who frequently shop on the Tata Neu app and other Tata brand websites such as BigBasket, Croma, Tata CliQ, 1mg, Air India, and Westside. This card rewards customers in the form of NeuCoins, which can be redeemed on future purchases on Tata platforms, so it is a suitable option for customers who wish to derive maximum benefit from their daily transactions.

With this card, you earn up to 5% NeuCoins on Tata brand purchases, utility bill payments via Tata Pay, and even UPI transactions. For the remaining non-Tata spends, the customers still earn 1.5% NeuCoins, so rewards never end. One NeuCoin is equal to ₹1, so you can easily understand and apply the rewards.

The Credit card also boasts premium travel benefits like complimentary domestic and international airport lounge access, welcome bonus NeuCoins, and global insurance cover with air accident and overseas medical cover. Exemption from fuel surcharge and Tata brand exclusive promotions are the cherry on top.

Introduction

Now, a credit card is no longer a mere plastic to make payments – it is an intelligent tool to get control over your spending, accumulate rewards, and enjoy special privileges. With all these cards floating in the market, selecting the correct one from them is puzzling. It is for this reason that businesses are introducing co-branded credit cards these days that provide the best of both worlds — banking services and lifestyle rewards.

The credit card comes as an outcome of a strong collaboration between Tata Group’s digital platform, Tata Neu, and HDFC Bank, one of India’s top private sector banks. It combines HDFC Bank’s guaranteed services with benefits and rewards on every Tata Group brand into a card experience that provides the customers with both rich and smooth benefits.

Tata Neu Infinity HDFC Bank Credit Card is designed specifically for tech-savvy customers who adore convenience, cashback, and lifestyle rewards packaged in one intelligent card. The biggest strength of this card is the high reward rate, attractive welcome offer, special airport lounge access, and seamless integration with the Tata Neu app. You can monitor your spends, redeem cash back NeuCoins, and get personalized offers — all at one stroke.

And as it is supported by HDFC Bank, you also enjoy the advantage of a safe and extensive banking network, customer support of international standards, and safe payment mechanism. Whether for foreign travel, shopping, or even bill payments, this card turns all your spends into a rewarding experience.

What is the Tata Neu Infinity HDFC Bank Credit Card?

Tata Neu Infinity HDFC Bank Credit Card is a special credit card created by the Tata Group and the HDFC Bank partnership. It is a credit card which is applicable to those who buy products online very often, especially on Tata Neu App and other Tata brand websites like BigBasket, Croma, Tata CliQ, Air India, and others. Credit Card offers rewards to the customers in terms of NeuCoins, which can be redeemed to take advantage of discounts or buy goods within the Tata network.

It is a co-branded card, and with it, you will have the benefits of both the Tata Group and HDFC Bank. You will earn high rewards, get free access to airport lounges, enjoy exclusive discounts, and also have HDFC Bank’s strong banking facilities and safety.

What is the design of the Tata Neu Infinity HDFC Bank Credit Card?

The Tata Neu Infinity HDFC Bank Credit Card has a fashionable and modern look befitting its superior status. The card is available in Visa and RuPay flavors, both of which have a modern look. Contactless payment technology is present in the card, which gives speedy and secure point-of-sale transactions at the shop. The advantage of such technology is in facilitating payment with the holder through merely swiping the card on a contactless-permitted point-of-sale terminal, thus bringing further ease and convenience to payment.

While specific visual description of the look of the card is not found in available sources, its luxury touch and experience of use are paramount. Its appearance is ancillary to the portfolio of advantages it offers in the way of purchase rewards, lounge membership, and other lifestyle rewards, and thus is an appropriate choice for individuals seeking style alongside substance in their credit card.

What are the benefits of the Tata Neu Infinity HDFC Bank Credit Card?

Here are some of its most notable benefits, listed below:

1. NeuCoins Reward Program

• Tata Brand Purchases: Receive up to 5% NeuCoins on EMI-free purchases through the Tata Neu App and associated Tata brands like BigBasket, Croma, Tata 1MG, Air India, and Westside.

• Utility Bill Payments in Tata Pay: Get 5% NeuCoins on utility bill payments made using Tata Pay in the Tata Neu App.

• UPI Transactions: Get up to 1.5% NeuCoins on UPI payments through the Tata Neu UPI ID; others get 0.5% NeuCoins.

• Redemption: One NeuCoin is equivalent to ₹1 and can be redeemed on Tata Neu and its partner brands.​

2. Airport Lounge Access

• Domestic Lounges: Receive 8 complimentary accesses per year (2 in a quarter) to domestic airport lounges.
• International Lounges: Receive 4 free accesses annually (1 per quarter) to international lounges through Priority Pass.​

3. Welcome Bonus

Receive 1,499 NeuCoins on sign-up, effectively exempting the joining fee of ₹1,499.​

4. Annual Fee Waiver

₹1,499 annual fee exempted if annual spend is ₹3 lakh.

5. Insurance Coverage

• Air Accident Cover: Avail a ₹1 crore air accident death cover.

• Overseas Hospitalization: Receive up to ₹15 lakh for urgent overseas medical expenses.

6. Fuel Surcharge Waiver

Avail 1% discount on fuel surcharge on spends between ₹400 and ₹5,000, capped at a maximum discount of ₹500 per statement cycle.​

7. Zero Lost Card Liability

In the event of card loss, report immediately to avoid any liability. For unauthorized transactions.​

8. Exclusive Offers

Sometimes, receive a 10% immediate discount on certain Tata brands, in addition to overall savings when paired with NeuCoin earnings.​

What are the fees for the Tata Neu Infinity HDFC Bank Credit Card?

Here is a simple Tata Neu Infinity HDFC Credit Card fee breakup.

Joining Fee	₹1,499 plus GST
Annual Fee	₹1,499 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Tata Neu Infinity HDFC Bank Credit Card?

The following are the primary requirements:

1. To apply for the  Tata Neu Infinity HDFC Bank Credit Card, you must be between 18 and 70 years old.

2. The income requirement differs according to your employment status:

• Self-Employed Professionals: A minimum Annual income of Rs 2 lakh usually does the job.

3. A secured income ensures regular, timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

4. Your credit score plays a role in the selection process. It is a tendency for HDFC Bank to favor borrowers with a better credit score, usually above 750. 

5. You must be an Indian resident and have valid address proof within the country. 

6. A salaried person must be employed with a reputable company or organization. The bank can ask you for documents like your salary slip or employment letter.

7. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good, consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Tata Neu Infinity HDFC Bank Credit Card?

The documents that you will have to submit to get a Tata Neu Infinity HDFC Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Tata Neu Infinity HDFC Bank Credit Card be used?

Here is the list of places where you can use it:

• With the Tata Neu Infinity HDFC Bank Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your Tata Neu Infinity HDFC Bank Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The Tata Neu Infinity HDFC Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Tata Neu Infinity HDFC Bank Credit Card?

The credit limit of the Tata Neu Infinity HDFC Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for a Tata Neu Infinity HDFC Bank Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the Tata Neu Infinity HDFC Credit Card.

• Just hover your cursor on the Tata Neu Infinity HDFC Bank Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the Tata Neu Infinity HDFC Credit Card.

• Request for the credit card application form for the Tata Neu Infinity HDFC Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the Tata Neu Infinity HDFC Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app, or by calling customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a Tata Neu Infinity HDFC Bank Credit Card in 2025 be right?

Yes, the Tata Neu Infinity HDFC Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

Tata Neu Infinity HDFC Bank Credit Card is an inspiring and rewarding credit card, tapping the HDFC Bank’s much-loved services with the strong Tata Group’s ecosystem of lifestyle, retail brands behind Tata Neu’s easy-to-use offerings. It offers you more money in your wallet and comes in handy, especially if you shop as frequently using the Tata Neu app as many other firms like BigBasket, Croma, Air India, Tata CliQ, Westside, to name just a few.

One of the most powerful aspects of this Credit card is the NeuCoins reward program. You earn NeuCoins on almost all spends — shopping, bill payments, flight ticket bookings, or even UPI transactions. You can easily redeem these NeuCoins on Tata platforms, earning while you shop for your favorite goods and services. And with a 5% reward rate too, you can earn faster and redeem smarter.

Another great amenity is the domestic and international airport lounge facility. If you are a frequent traveler, this facility can make your journey comfortable and luxurious. Apart from this, the card provides strong insurance cover in the form of air accident cover and overseas medical insurance, giving you confidence while traveling.

Frequently Asked Questions (FAQ’s)