Credit Card Compare

Tata Neu Infinity HDFC Bank Credit Card

Data last updated 7 October 2026
45.00%
Purchase rate
₹1,499
Annual fee
1,499
Bonus points
Application

CardIQ

59Good

Good

Overall score, out of 100 · How this works

  • Airport lounge58
  • Rewards53
  • Travel68

Customer reviews

No reviews yet. Be the first to review the Tata Neu Infinity HDFC Bank Credit Card.

Pros & cons

What's good

  • 1,499 bonus points to start, worth around ₹1,500 at our ₹1-per-point valuation.
  • Complimentary airport lounge access (4 visits a year).
  • 2% foreign transaction fee, below the 3.5% most cards charge.
  • Earns 5 NeuCoins per ₹100 on bonus categories.
  • No fee to add an additional cardholder.

Worth noting

  • Plus GST. Same joining and renewal fee; renewal waived if you spend ₹3,00,000 a year.
  • Earns 1.5 NeuCoins per ₹100 on everyday spend, below the dataset average.
  • Requires a minimum income of ₹12,00,000 a year.

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Visa
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
NeuCoins (Tata Neu)

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
₹12,00,000 p.a.
Residency
Indian nationality; salaried aged 21 to 60 (monthly income ₹1,00,000); self-employed aged 21 to 65 (annual ITR above ₹12,00,000)
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹1,499 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
2%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
5% of (retail spends + cash advance + finance charge) plus GST, EMI amounts, 100% of fees and charges and any over-limit amount; where 5% is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (HDFC Bank MITC, from June 2025)

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
1.5 NeuCoins per ₹100
Bonus categories
5 NeuCoins per ₹100 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
12 months from the end of the month in which they are credited to the Tata Neu account (from 1 August 2025)

Sign-up bonus

Bonus spend required
1 transaction within 30 days of card issuance (1,499 NeuCoins as reversal of the first-year fee; not for Lifetime Free and First Year Free cards)
Sign-up bonus
1,499 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate45.00%Tied for best (1st of 11 cards)
Interest-free days50 daysTop 10% (2nd of 11 cards)
Rewards value₹13,500 a yearTop 25% (2nd of 7 cards)
Overseas fee2.00%Top 25% (3rd of 11 cards)
Annual fee₹1,499 a yearNot as good as most cards (8th of 11 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

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How CardIQ scores cards
Issuer
HDFC Bank