Tata Neu Infinity HDFC Bank Credit Card

Best for: Daily BigBasket grocery shopper, Heavy Croma / electronics buyer, Air India / Air India Express frequent flyer, Tata 1mg pharmacy regular

Mid tier — a solid all-rounder for steady monthly spend.

Strongest value if you spend heavily on Online Shopping ( 5% back).

Frequent travellers benefit from the included airport lounge access.

• 5% NeuCoins on the entire Tata ecosystem — BigBasket, Croma, Tata 1mg, Air India, Tata CLiQ
• NeuCoins redeem at ₹1 each — the most transparent reward currency in India
• RuPay UPI-linked for everyday digital payments
• Free NeuPass membership adds up to 5% NeuCoins on selected Tata Neu categories, on top of the card's 5%
• Tata Neu super-app gives a unified wallet — one redemption portal for everything Tata

• NeuCoins locked to Tata ecosystem — useless without regular Tata brand usage
• Non-Tata spend earns 1.5% — below HDFC Millennia and SBI Cashback on non-partner spend
• ₹1,499 annual fee only justifies for ₹2,500+/month Tata ecosystem spenders
• "Up to 10%" is an up-to rate on selected categories via NeuPass — everyday spend earns well under 10%
• Insurance/utility/telecom earn only the base 1.5% (not 5%); NeuCoins can't be redeemed on Bill Payment
• Grocery, utility, telecom and insurance are each capped at 2,000 NeuCoins a month
• Fuel, rent, government payments, wallet and gift-card loads, vouchers and online gaming earn nothing

Ways to convert what you earn into real value.

🎁 Spend NeuCoins 1:1 (₹1 each) across Tata Neu and partner Tata brands (BigBasket, Croma, Air India, 1mg, Westside)

🎁 Use NeuCoins on the Tata Neu app for shopping, travel and bill payments

For consumers deeply engaged with the Tata brand network, the Tata Neu Infinity remains a premier solution, combining 5% back on core Tata platforms with functional RuPay UPI integration. Nonetheless, recent modifications across 2024 and 2025—including UPI reward ceilings, a 12-month expiry on NeuCoins, and spend-linked domestic lounge thresholds—along with brand-restricted redemptions, concentrate its maximum value primarily within Tata ecosystem spending, as external retail earns a modest 1.5%.

Sources & verification

Fees, reward rates, and benefits for the Tata Neu Infinity HDFC Bank Credit Card are taken from HDFC Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →

Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for HDFC Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.

Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.

Tracking since 2022 · 12 changes · last change May 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

▼ Fee Effective 15 May 2026

Dynamic currency conversion markup raised to 1.75%

1% markup → 1.75% markup

HDFC's MITC: "Dynamic currency conversion Markup Fee: With effect from 15th May 2026, a Markup fee of 1.75% will be levied on all transactions carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas." This is separate from, and stacks on top of, the card's ordinary foreign-currency markup. It is the charge you pay for accepting a terminal's offer to bill you in rupees while abroad - always decline that offer and pay in the local currency. It also catches India-based purchases from merchants registered overseas, which is easy to trigger without leaving the country. The PIXEL MITC dates the same change 17 May 2026.

Verification: HDFC Bank ↗ · Confidence: High

▼ Redemption Effective 1 Aug 2025

NeuCoins given a 12-month expiry

No fixed expiry (effectively indefinite) → 12 months from end of credit month

From 1 Aug 2025, NeuCoins earned on Tata Neu HDFC cards expire 12 months from the end of the month they are credited (e.g. earned 5 Aug 2025 → valid to 31 Aug 2026); the pre-existing balance was set to expire 31 Jul 2026. This ended indefinite hoarding, forcing earn-and-burn within a year across the Tata ecosystem.

Verification: HDFC Bank ↗ · Confidence: High

▼ Fee Effective 1 Jul 2025

1% fee added on rent, wallet loads and online gaming

No category surcharge on rent, wallet loads or gaming → 1% on rent (cap Rs 4,999 per transaction); 1% on wallet loads and on online skill-based gaming above Rs 10,000 a calendar month (cap Rs 4,999 a month)

HDFC's MITC: "Rent Pay Transactions: W.e.f. 1st July 2025, 1% fee on transaction amount will be levied on rental transactions... Fee capped at Rs 4999 per transaction"; "Wallet Loading (excl PayZapp) - W.e.f. 1st July 2025, 1% fee will be levied on Wallet loading spends exceeding Rs 10,000 in a calendar month"; "Online Skill based Gaming - W.e.f. 1st July 2025, 1% fee... exceeding Rs 10,000 in a calendar month". These are charges on top of the fact that most HDFC cards already earn zero reward points on the same categories - you pay to spend, and earn nothing for it. PayZapp wallet loads are exempt from the wallet fee.

Verification: HDFC Bank ↗ · Confidence: High

▼ Fee Effective 1 Jul 2025

1% fee on utilities above Rs 50,000 and on third-party education payments

No surcharge on utility or education payments → 1% on utility spends above Rs 50,000 a calendar month (cap Rs 4,999 a month); 1% on education paid through third-party apps

HDFC's MITC: "Utility Charges: 1% fee will be levied on utility spends exceeding Rs 50,000 per Calendar month for consumer cards... Fee capped at Rs 4999 per month"; "Education Charges: 1% fee... on Education transactions done through third party applications like (but not limited to) CRED, Nobroker, Cheq etc." Paying school or college fees DIRECTLY to the institution is not charged - only routing them through a third-party app is. A 1% fee also applies to fuel transactions above Rs 15,000.

Verification: HDFC Bank ↗ · Confidence: High

▼ Reward Effective 1 Jul 2025

Insurance NeuCoins cap tightened from daily to monthly

2,000 NeuCoins per day → 2,000 NeuCoins per month

As part of HDFC's 1 Jul 2025 changes, NeuCoins on insurance transactions were capped at 2,000 per calendar month (MobiKwik lists Tata Neu among 'all other cards' at max 2,000 RP/mo), replacing the earlier much looser 2,000-per-day cap. Insurance earns only the base 1.5% rate, so the cap corresponds to ~₹1.33 lakh premium/month.

Verification: HDFC Bank ↗ · Confidence: Reconstructed

▼ Reward Effective 1 Jul 2025

Insurance reward points capped, online gaming stops earning

Insurance uncapped on most cards; online skill-based gaming earned points → Insurance capped at 2,000 reward points a month (5,000 on Diners Black, 10,000 on Infinia); online skill-based gaming earns nothing

HDFC's MITC: "With effect from 1st July 2025, Reward Points accrued for insurance transactions will have a maximum cap of... 2000 per month for all other credit cards" and "With effect from 1st July 2025, Online Skill-Based gaming transactions will not earn Reward Points/CashPoints on all the cards." Insurance premiums are a common way to hit a milestone quickly, so the cap matters more than its size suggests.

Verification: HDFC Bank ↗ · Confidence: High

▼ Reward Effective 1 Jul 2025

Online skill-based gaming stops earning NeuCoins

Online skill-based gaming earned NeuCoins → No NeuCoins on online skill-based gaming (MCC 5816)

Effective 1 July 2025 HDFC stopped awarding NeuCoins on online skill-based gaming, pinned to MCC 5816. It lands alongside the bank-wide 1% fee on gaming spends above Rs 10,000 a calendar month, so the same transaction now earns nothing and costs extra. Our timeline had previously folded this exclusion into the 1 January 2023 cap batch, two and a half years too early; that event has been corrected.

Verification: HDFC Bank ↗ · Confidence: High

▼ Lounge Observed 20 May 2025 · Effective 10 Jun 2025

Domestic lounge access moved to spend milestone

Swipe-based unlimited-style access (DreamFolks), up to 8/yr → ₹50,000/quarter spend → 2 vouchers/quarter (up to 8/yr)

Effective 10 Jun 2025 HDFC replaced direct swipe-based domestic lounge access (powered by DreamFolks) with a spend-milestone voucher system: spend ₹50,000+ in a calendar quarter to earn 2 complimentary domestic lounge vouchers that quarter (max 8/year). The 4 international (Priority Pass) visits were retained.

Verification: HDFC Bank ↗ · Confidence: High

▼ Reward Effective 1 Sept 2024

Education paid through third-party apps stops earning NeuCoins

Education payments earned NeuCoins → No NeuCoins on education routed through third-party apps

HDFC's Tata Neu terms add, effective 1 September 2024, that no NeuCoins accrue on "Education payments through third-party apps (CRED, Cheq, MobiKwik)". Paying a school, college or university DIRECTLY still earns — it is the routing through a bill-payment app that is excluded, which is easy to trigger without realising it. EDUCATION is a live spend category in our engine, so this is a real earning change rather than a documentation note.

Verification: HDFC Bank ↗ · Confidence: High

▼ Reward Effective 1 Aug 2024

UPI NeuCoins earning curtailed on non-Tata UPI

1.5% NeuCoins on eligible UPI (cap 500/mo) → 1.5% only on Tata Neu UPI ID; 0.5% on other UPI IDs (cap 500/mo)

From 1 Aug 2024, RuPay UPI earning was split: 1.5% back as NeuCoins only on spends made with the Tata Neu UPI ID, cut to 0.50% on other UPI IDs (GPay/PhonePe/Paytm), with total UPI NeuCoins still capped at 500 per calendar month. The 5%/1.5% card-swipe rates were unchanged.

Verification: HDFC Bank ↗ · Confidence: High

▼ Reward Effective 1 Jan 2023

Category earning caps and exclusions introduced

Broad base earning at 1.5% → Grocery capped 2,000 NeuCoins/mo; fuel, wallet, rent (3rd-party) and government excluded

Effective 1 Jan 2023 HDFC's bank-wide cap batch hit Tata Neu Infinity: grocery/supermarket earning capped at 2,000 NeuCoins per calendar month, utility/telecom/cable capped at 2,000/mo, and no NeuCoins on fuel, wallet loads, rent paid via third-party apps or government transactions. Live From A Lounge lists 'Tata Neu Infinity' by name in the 2,000-points grocery-cap group. (Online gaming was NOT part of this batch — HDFC excluded it on 1 July 2025, recorded separately below.)

Verification: HDFC Bank ↗ · Confidence: High

◆ Launch Effective 24 Aug 2022

Tata Neu Infinity HDFC card launched

HDFC Bank and Tata Digital launched the co-branded Tata Neu Infinity (and Tata Neu Plus) card: 5% NeuCoins on partner Tata brands (BigBasket, Croma, Tata CLiQ, 1mg, AirAsia/Air India, Westside) and 1.5% NeuCoins on all other spends, stacking to ~10% inside the Tata Neu app. The RuPay variant additionally earned NeuCoins on UPI; 1 NeuCoin = ₹1; joining/annual fee ₹1,499.

Verification: HDFC Bank (press release) ↗ · Confidence: High

↓ Show all 12 changes Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.

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Quick summary

Type Mid credit card

Reward rate 1.5%–5%

Best for Daily BigBasket grocery shopper

Joining fee ₹1,499

Annual fee ₹1,499

Reviewed by

Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade

Last verified 5 Aug 2026

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