Tata Neu Infinity HDFC Bank Credit Card review
A good all-rounder for people who already shop at Tata brands like BigBasket, Croma or Tata CLiQ, since 1.5% on everything else and a 2% forex markup are solid. Skip it if you never use the Tata Neu app, because NeuCoins are hard to use well outside it.
Fees
₹1,499 a year + GST. Renewal fee waived if you spend ₹3 lakh or more in the year before your renewal date. Forex markup 2%.
Rewards
1 NeuCoin = ₹1 when spent on the Tata Neu app or at Tata brands; coins expire 12 months after the month they are credited
- Groceries: 1.5% – 1.5% at most grocery stores; 5% on BigBasket as a Tata brand. NeuCoins on grocery spends are capped at 2,000 a month
- Fuel: 0%
- Flights & hotels: 1.5% – 1.5% on most travel sites; 5% on Tata partner brands such as Air India Express and IHCL hotels booked through Tata Neu
- Bills: 1.5% – Utility bills are capped at 2,000 NeuCoins a month, and phone/cable bills have a separate 2,000 a month cap
- Rent: 0%
- Insurance: 1.5% – Insurance premiums are capped at 2,000 NeuCoins a month
- Education: 1.5% – Earns only when paid directly on the school or college website or at its card machine; nothing through apps such as CRED or MobiKwik
- UPI with a credit card: 1.5% – 0.5% on any UPI spend with the RuPay card, plus 1% more when paying through a Tata Neu UPI ID; all UPI NeuCoins capped at 500 a month
- Everything else: 1.5%
On a typical spending pattern this card gives back about ₹6,840 a year.
What’s good
- 5% back as NeuCoins at Tata Neu and partner Tata brands such as BigBasket, Croma, Westside, Tata CLiQ and IHCL
- Another 5% on selected Tata Neu categories once you join the free NeuPass programme
- A flat 1.5% back on most other spending, including offline and foreign spends
- RuPay variant earns up to 1.5% on UPI payments made with a Tata Neu UPI ID
- Low 2% foreign currency markup for a card at this price
What’s not
- NeuCoins are only worth full value inside the Tata ecosystem and expire after about a year
- Grocery, utility, phone and insurance rewards are each capped at 2,000 NeuCoins a month
- Domestic lounge access now needs ₹50,000 of spending every quarter
- No rewards on fuel, rent, wallet loads or government payments
Lounge access
Domestic: 2 vouchers a quarter (up to 8 a year), unlocked by spending ₹50,000 in that calendar quarter. International: 4 a year (1 a quarter) through Priority Pass on request for Visa cards, or RuPay international lounges for RuPay cards.