Tata Neu Infinity HDFC Bank Credit Card

The Bottom Line

Only Good for Tata Neu Products

5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands, 1.5% back as NeuCoins on Non-Tata Brand Spends, any Merchant EMI Spends & UPI spends.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	-2.0%^	-0.7%^	0.0%	0.6%	0.6%
Est. Monthly Reward (₹)	(100)	(70)	(10)	295	595
All-India Rewards Rank*	273	284	305	207	212
Within Bank Rank*	42	40	43	30	29
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The Tata Neu Infinity HDFC Bank Credit Card offers 5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands, 1.5% back as NeuCoins on Non-Tata Brand Spends, any Merchant EMI Spends & UPI spends.

Overall, we estimate you can earn a net reward yield of 0.6% on spending more than ₹50,000 a month with this card.

Consider the Millennia Credit Card if you spend less than ₹50,000 a month on your card.

It offers a net reward yield of 2.3-2.7% on spending up to ₹50,000.

If you spend less than ₹10,000 a month on your card, also consider the Bharat Credit Card with a net reward yield of 1.9-2.4%.

If you spend more than ₹50,000 a month on your credit card, we recommend the 6E Rewards XL – Indigo HDFC Bank Credit Card. We estimate it offers a net reward yield of 2.0-2.2% for high spenders.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	Tata Neu Infinity HDFC Bank Credit Card
Card Type	Reward
Reward Features	5% back as NeuCoins on Non-EMI Spends on Tata Neu and partner Tata Brands 1.5% back as NeuCoins on Non-Tata Brand Spends and any Merchant EMI Spends 1.5% back on NeuCoins on UPI spends
Milestone Rewards	Nil
Other Rewards	– 2 Complimentary Domestic Airport Lounge Visits / Qtr – 1 Complimentary International Airport Lounge Visits / Qtr
Rewards Redemption Fee	₹99
Reward Caps	– 1,000 p.m. on property management services including rent – 2,000 p.m. on Grocery transactions
Preferred Redemption Method	Use your NeuCoins for purchases on Tata Products 1Neu Coin= ₹0.90

Fees & Charges

Card		Tata Neu Infinity HDFC Bank Credit Card
Joining Fee		₹1,499 + Taxes
Annual Fee		₹1,499 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹3 Lacs
Income Criteria	Salaried	₹1 Lacs
Income Criteria	Self-employed	ITR>₹12 Lacs
Supplementary Card Fee		Free
Interest Rate		43.20% p.a.
Foreign Currency Markup		2.00%
Cash Advance Charge		2.50% with a minimum of ₹500