HDFC Bank has partnered with Tata to launch the exciting Tata Neu Infinity HDFC Bank Credit Card. This premium co-branded card, along with the Tata Neu HDFC Plus Credit Card, offers a range of exclusive benefits across various categories. The Infinity variant, with an annual fee of Rs. 1,499, provides a rewarding experience with a reward rate of up to 10%, making it one of the top shopping credit cards in India. New cardholders are welcomed with benefits equal to the annual fee, enhancing its value right from the start.
Beyond shopping, the Tata Neu Infinity HDFC Bank Credit Card offers perks in travel, insurance, and lifestyle, including complimentary access to domestic and international airport lounges. Cardholders also benefit from air accident insurance, card liability cover, and other protective features. The card supports fast, contactless payments, ensuring convenience in every transaction.
For more detailed information on the features, fees, and charges of the Tata Neu Infinity HDFC Bank Credit Card, continue reading below.
Overview
| Feature | Details |
|---|---|
| Card Type | Premium Rewards Credit Card |
| Reward Rate | 5 NeuCoins per ₹100 spent on Tata Neu; 1 NeuCoin on others |
| Reward Value | 1 NeuCoin = ₹1 |
| Joining Fee | ₹1,499 + GST (waived on spending ₹1 lakh annually) |
| Unique Selling Points | Airport Lounge Access, Milestone Benefits, Tata Neu Ecosystem Integration |
| Rating | ★★★★☆ (4.3/5) |
Fees and Charges
| Fee Type | Details |
|---|---|
| Joining Fee | ₹1,499 + GST (waived on spending ₹1 lakh annually) |
| Annual Fee | ₹1,499 + GST (waived on spending ₹1 lakh annually) |
| Finance Charges | 3.4% per month (40.8% per annum) |
| Foreign Transaction Fee | 3.5% + GST |
| Cash Advance Fee | 2.5% of the amount withdrawn (min ₹300) |
| Late Payment Fee | ₹100 to ₹1,200 depending on the outstanding balance |
| Fuel Surcharge Waiver | 1% on transactions between ₹500 and ₹3,000 |
Tata Neu Infinity HDFC Bank Credit Card Benefits
Welcome Benefits
- Complimentary Memberships: Enjoy free memberships with premium services like Tata CLiQ and BigBasket as part of the welcome benefits.
- Tata Neu Integration: Seamless integration with the Tata Neu app, enhancing your shopping experience with additional rewards.
Travel Benefits
- Airport Lounge Access: Unlimited domestic lounge access for both primary and add-on cardholders.
- Airport Transfers: Complimentary airport transfers up to twice a year, available in select cities.
Milestone Benefits
| Milestone | Reward |
|---|---|
| Spend ₹2 Lakhs in a year | 10,000 Bonus NeuCoins |
| Spend ₹5 Lakhs in a year | Additional 15,000 Bonus NeuCoins |
Rewards
| Spending Category | NeuCoins Earned |
|---|---|
| Tata Neu Purchases | 5 NeuCoins per ₹100 spent |
| Other Purchases | 1 NeuCoin per ₹100 spent |
| Accelerated Rewards | 10 NeuCoins per ₹100 spent on Tata Neu during special offers |
Redemption
Reward points can be redeemed for a variety of options:
- Flights & Hotel Bookings: Use NeuCoins for booking flights and hotels directly via the Tata Neu app.
- Statement Credit: Convert NeuCoins into statement credit to reduce your outstanding balance.
- Airmiles Conversion: Convert NeuCoins to air miles with partner airlines for international travel.
Gift Vouchers Available
| Voucher Type | Redemption Value |
|---|---|
| BigBasket Vouchers | 1 NeuCoin = ₹1 |
| Tata CLiQ Vouchers | 1 NeuCoin = ₹1 |
| Croma Vouchers | 1 NeuCoin = ₹1 |
| IHCL (Taj Hotels) Vouchers | 1 NeuCoin = ₹1 |
Airport Lounge Access
| Lounge Access | Details |
|---|---|
| Domestic Lounge Access | Unlimited access for primary and add-on cardholders |
| International Lounge Access | Not available |
| Annual Limit | No limit for domestic access |
Airport Transfers
Avail complimentary airport transfers up to two times a year in select cities like Mumbai, Delhi, and Bangalore. Booking can be done through the Tata Neu concierge service.
Forex Markup Fee
| Feature | Details |
|---|---|
| Forex Markup Fee | 3.5% + GST |
| Reward Rate for International Spends | 1 NeuCoin per ₹100 spent |
Eligibility
- Age: 21 to 60 years.
- Income: Minimum annual income of ₹5 lakh.
- Employment: Available to salaried and self-employed individuals.
How to Apply?
Online Application
- Visit the official HDFC Bank credit card page.
- Select “Tata Neu Infinity HDFC Bank Credit Card.”
- Fill in the required personal and financial details.
- Upload the necessary documents and submit your application.
- Await verification and approval.
Offline Application
- Visit the nearest HDFC Bank branch.
- Request an application form for the Tata Neu Infinity HDFC Bank Credit Card.
- Fill out the form and submit it along with required documents.
- Await verification and approval.
Tata Neu Infinity HDFC Bank Credit Card Review
Editor’s Rating
Summary
The Tata Neu Infinity HDFC Bank Credit Card excels as a premium card, especially for those deeply integrated into the Tata ecosystem. The card’s strong points include its generous reward structure, milestone benefits, and seamless integration with Tata’s vast range of services. Frequent flyers will appreciate the airport lounge access and complimentary airport transfers, while avid shoppers can maximize rewards through Tata Neu purchases. However, the card’s higher annual fee and foreign transaction charges may deter some users. Overall, this card is ideal for those who can leverage the full range of Tata services and rewards.
Pros:
- Generous rewards on Tata Neu purchases.
- Comprehensive airport lounge access.
- Multiple redemption options including gift vouchers and airmiles.
Cons:
- High foreign transaction fee.
- Limited international lounge access.
- Best suited for those actively using Tata services.
Comparison with Similar Cards
| Feature | Tata Neu Infinity HDFC Bank Card | SBI Elite Credit Card | Axis Bank Vistara Signature Credit Card |
|---|---|---|---|
| Annual Fee | ₹1,499 + GST (waived on spending ₹1 lakh annually) | ₹4,999 + GST (with renewal benefit) | ₹3,000 + GST |
| Reward Rate | 5 NeuCoins per ₹100 on Tata Neu, 1 NeuCoin on others | 2 Reward Points per ₹100 spent on all categories | 4 Club Vistara Points per ₹200 spent |
| Lounge Access | Unlimited domestic lounge access | 6 Complimentary domestic lounge visits per year | Unlimited domestic and 2 international lounge visits |
| Milestone Benefits | 10,000 Bonus NeuCoins at ₹2L spend, 15,000 at ₹5L | ₹5,000 worth e-vouchers on reaching ₹5L spend | Business Class Ticket on achieving ₹75,000 spend in 90 days |
| Forex Markup Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
SBI Elite Credit Card Comparison
The SBI Elite Credit Card, with its higher annual fee, offers premium perks like lounge access, milestone benefits, and a broad range of reward points that can be redeemed across various categories. However, compared to the Tata Neu Infinity HDFC Bank Credit Card, the SBI Elite is less integrated with any particular brand ecosystem, making it more versatile but possibly less rewarding for those within the Tata network.
Axis Bank Vistara Signature Credit Card Comparison
The Axis Bank Vistara Signature Credit Card is a travel-centric card offering substantial rewards for frequent flyers with Vistara. While it lacks the expansive shopping rewards of the Tata Neu Infinity HDFC Bank Credit Card, it compensates with superior travel perks, including business class tickets and international lounge access. This makes it an excellent choice for those who prioritize air travel over other rewards.
FAQ
What is the annual fee for the Tata Neu Infinity HDFC Bank Credit Card?
The annual fee is ₹1,499 + GST, which is waived on spending ₹1 lakh annually.
How do I redeem NeuCoins earned on this card?
NeuCoins can be redeemed for Tata Neu app purchases, flights, hotel bookings, gift vouchers, and statement credit.
Does the card offer airport lounge access?
Yes, the card provides unlimited domestic airport lounge access for both primary and add-on cardholders.
Are there any milestone rewards?
Yes, you can earn 10,000 Bonus NeuCoins on spending ₹2 lakhs in a year and an additional 15,000 NeuCoins on spending ₹5 lakhs.
For detailed information you can visit Official website.
