HDFC Tata Neu Infinity Credit Card: The Only Credit Card You Need for Tata Ecosystem & UPI Payments

HDFC Tata Neu Infinity Credit Card

[FinTech Elevate Rating: 4/5]

• The HDFC Tata Neu Infinity Credit Card is a game-changer when it comes to saving on payments on Tata Ecosystem/brands and UPI payments. 

• Note that for best utilization of this card - you should be a regular user of Tata products such as Tata Neu platform and offline stores such as Tanishq etc.

• HDFC Tata Neu Infinity Credit Card Key Features:

1. 5% NeuCoins on non-EMI spends at Tata Neu & partner Tata brands (eligible partners list available).
2. 1.5% NeuCoins on non-Tata brand spends and any merchant EMI spends.
3. 1.5% NeuCoins on eligible UPI spends (including partner Tata brands), capped at 500 NeuCoins/month.
1. Earn 0.50% back as NeuCoins on eligible UPI spends (including spends on partner Tata Brands), this will be posted to your card account by the Bank
2. Additional 1% NeuCoins for UPI payments made via Tata Neu UPI ID (for Tata Neu UPI payments).
3. Total NeuCoins earned on all UPI payments will be capped to 500 NeuCoins per calendar month
4. 5% additional NeuCoins on selected categories via Tata Neu app/website (post registration for NeuPass). From 15-Jan-25, benefit applies only to Primary Cardholder’s mobile number linked to Tata Neu account.
5. Cappings and Exclusions
1. NeuCoins cap:Telecom, and Cable transactions are capped at 2,000 NeuCoins/month 
2. NeuCoins earned on Utility transactions transactions will be capped at 2000 NeuCoins per calendar month
3. NeuCoins cap on Grocery transactions: 2,000 NeuCoins/month for Tata Neu Infinity HDFC Bank Credit Card.
4. No NeuCoins on Rental & Government transactions (effective from 1st Jan 2023).
5. No NeuCoins on education payments via third-party apps (CRED, Cheq, MobiKwik, etc.), but direct payments to institutions are eligible.
6. Exclusions: No additional 5% NeuCoins for Bill Payments (Tata Pay), Tanishq, Cult.fit, Air India, and Tata Play.
6. International and Domestic Lounge Access

1. Domestic Lounge Access:

   • VISA/RuPay Card: 8 complimentary domestic lounge visits per year (2 per quarter). A fee of ₹2 will be charged per access.

2. International Lounge Access:

   • VISA: 4 complimentary visits per year (1 per quarter) via Priority Pass. Excess visits and guest visits are charged at $27 + GST per visit.
   • RuPay: 4 complimentary visits per year (1 per quarter) outside India. A $3.25 transaction fee is charged per visit (reversed later). Excess visits may incur additional charges at the lounge’s discretion.

• Joining & Annual Renewal Fees of HDFC Tata Neu Infinity Card:

• Joining Fee: Rs. 1499 (Currently being offered as LTF: Apply at Link)
• Renewal Fee: Rs. 1499 (Currently being offered as LTF: Apply at Link)

• Welcome Benefits:

• Welcome Voucher: NeuCoins worth 1499  Tata Neu App (as reversal of 1st Year Membership Fees), applicable on 1st Transaction done within 30 days of card issuance.

• How much would you save? 

• Let's say below are your spend behaviour:
• Tata Neu & Partner Brands: ₹10,000 × 10% = ₹1000 NeuCoins (5%NeuPass)
• Non-Tata Brands: ₹5,000 × 1.5% = ₹75 NeuCoins
• UPI Payments (₹8,000): ₹5,000 × 0.50% = ₹25 + ₹5,000 × 1% = ₹75 NeuCoins → Total = ₹100 NeuCoins
• Groceries: ₹4,000 × 1.5% = ₹60 NeuCoins
• Utility payments using Tata Neu : 3000 * 5% = 150
• Domestic Lounge Access Savings: ₹2000 × 2 visits = ₹4,000 savings per year
• International Lounge Savings: 1 visit via Priority Pass (value ₹5,000) → ₹5,000 savings per year
• Total NeuCoins Earned = ₹1000 + ₹75 + ₹100 + ₹60 + ₹150 = ₹1385 NeuCoins/month
  
• Annual Lounge Savings = ₹4,000 (Domestic) + ₹5,000 (International) = ₹9,000/year
  
• Total Savings = ₹1385 x 12 months + ₹9,000 = ₹25650/year.
• Total Savings %age = 25650/324000 = 8%

• If this card meets your requirements - go ahead and apply for it at Link
• For latest details do check out HDFC credit card website at - Link