Cashback
HDFC Tata Neu Infinity
HDFC 6.4
CardTrail Score
Decent
out of 10
Annual Fee
₹1,499
Spend ₹2L/year
Forex Markup
3.5%
Reward Rate
0.5%
Up to 10%
Lounge Access
4
domestic | 0 intl
About This Card
HDFC Tata Neu Infinity is a niche card for the Tata ecosystem. If you shop on BigBasket, 1mg, Croma, and stay at Taj hotels regularly, the 10% NeuCoins rate is unbeatable. Outside the Tata world, it's a below-average card.
Pros & Cons
Pros
- 10% on Tata ecosystem is massive if you use it
- NeuCoins are 1:1 with rupees
- Good partner network
- 4 domestic lounges
Cons
- 0.5% base rate is terrible
- 3.5% forex — avoid for travel
- Only valuable if you're in the Tata ecosystem
- ₹1,499 fee is steep for base benefits
Fee Details
Annual Fee
₹1,499
Joining Fee
₹1,499
Fee Waiver Condition
Spend ₹2L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.5%
Max Rate
10%
Currency
NeuCoins (1 NeuCoin = ₹1)
Welcome Bonus
1,500 NeuCoins
Lounge Access
Domestic Lounges
4
per quarter
International Lounges
0
Key Highlights
- + 10% NeuCoins on Tata platforms (BigBasket, 1mg, Croma, Taj)
- + 5% on partner merchants
- + 0.5% on everything else
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Quick Summary
Best For
online shopping tata ecosystem
Annual Fee ₹1,499
Base Reward 0.5%
Max Reward 10%
Forex Markup 3.5%
Network Visa
Min Income ₹3L+
CardTrail Score
Best For
online shopping tata ecosystem
