If you’re on the lookout for a credit card that offers excellent rewards and exclusive benefits, look no further than the Tata Neu Infinity HDFC Bank credit card. This co-branded card is known for its exceptional reward rate ranging from 1.5% to 6% and has garnered a remarkable rating of 4.7 out of 5. With a range of privileges such as Domestic and International Airport Lounge Access and Fuel Surcharge Waiver, this card is undoubtedly a top contender in the market. Let’s dive into the details of the Tata Neu Infinity HDFC Bank credit card to understand why it’s highly sought after.
Fees and Charges: Budget-Friendly Options
Fees and Charges
| Joining Fee | Rs 1499+GST or FYF |
| Welcome Benefit | 1499 NeuCoins |
| Annual Fee | Rs 1499+GST or NIL |
| Annual Fee Waiver | Spend Rs 3 Lakhs in a membership year |
The joining fee for the Tata Neu Infinity HDFC Bank credit card is Rs 1499 + GST, which can also be waived off for the first year. Additionally, the annual fee for the card is Rs 1499 + GST, but fret not, as this too can be waived off. Spend a minimum of Rs 3 Lakhs in a membership year, and the annual fee becomes NIL. Keep in mind that the welcome benefit of 1499 NeuCoins is available only if the joining fee is paid and not applicable for FYF (First Year Free) and LTF (Lifetime Free) cards. Don’t miss out on this fantastic opportunity; make a transaction within 30 days of card issuance to avail the welcome benefit.
Read Also: Tata Neu Plus HDFC Bank Credit Card
Rewards: Unmatched Returns on Spending
The Tata Neu Infinity HDFC Bank credit card offers an impressive rewards structure that caters to a wide range of spending categories. Here’s a breakdown of the reward rates:
- Tata Neu and partner brands: 5%
- Utility Bill Payments and Recharges with Tata Pay: 5%
- All other spends (including merchant EMI and UPI): 1.5%
- Wallet, Gift Vouchers, Fuel, Rent, and Government Transactions: 0%
The standout feature of this card is the 5% rewards on Tata Neu spends and partner brands, making it an excellent choice for those who frequently shop with these brands. However, do note that the rewards for Grocery transactions, Insurance spending, and UPI spends have specific monthly and daily caps.
Fair Usage Policy: Reward Caps on Tata Brand Merchants
To ensure the rewards system remains sustainable and fair, the Tata Neu Infinity credit card implements a usage policy cap on its rewards for transactions with Tata Partner brands. Below are the maximum monthly and annual spends eligible for 5% NeuCoins:
- Croma: Rs 6 Lakhs (Monthly) / Rs 18 Lakhs (Annual)
- Tata CLiQ, Westside: Rs 3 Lakhs (Monthly) / Rs 18 Lakhs (Annual)
- IHCL, Qmin, Air Asia: Rs 8 Lakhs (Monthly) / Rs 30 Lakhs (Annual)
- 1MG, Cult, Tata Play: Rs 2 Lakhs (Monthly) / Rs 15 Lakhs (Annual)
- Bill Payments – Tata Pay: Rs 50,000 (Monthly) / Rs 6 Lakhs (Annual)
- Big Basket: Rs 1 Lakh (Monthly) / Rs 12 Lakhs (Annual)
- Titan, Tanishq: Rs 6 Lakhs (Monthly) / Rs 18 Lakhs (Annual)
HDFC Bank SmartBuy Offers: Bonus NeuCoins
While the Tata Neu Infinity HDFC Bank credit card doesn’t offer the typical 5% cashback or 5X rewards on SmartBuy transactions like other HDFC Bank cards, it provides bonus NeuCoins for SmartBuy transactions at a reduced rate. You can earn up to 1000 bonus NeuCoins per calendar month through SmartBuy, with varying reward rates for different categories.
| CATEGORY | TATA NEU INFINITY HDFC BANK CREDIT CARD (NEUCOINS) |
|---|---|
| IGP.com | 6% |
| Flights | 1.5% |
| Hotels | 6% |
| IRCTC | 1.5% |
| RedBus | 1.5% |
| Instant Vouchers | 1.5% |
| Apple Imagine Tresor | 1.5% |
| Flipkart | 1.5% |
Rewards Redemption: Easy and Convenient
Redeeming your hard-earned NeuCoins is a breeze with the Tata Neu HDFC Bank credit card. The NeuCoins earned per transaction are automatically transferred to the Tata Neu app within 7 days of statement generation. These NeuCoins can then be used for purchases with any of the partner brands, with 1 NeuCoin being equivalent to Rs 1 for all brands.
Complimentary Airport Lounge Access: A Luxurious Perk
Cardholders of the Tata Neu Infinity HDFC Bank credit card can enjoy complimentary airport lounge access both within India and outside India. For India, the number of visits per quarter is 2, while outside India, it’s 1 visit per quarter. Please note that the lounge access in India will be available with either Visa or Rupay based on the card variant, and the service is provided by DreamFolks.
- Check this link for the list of eligible airport lounges in India for Tata Neu HDFC Bank credit cards
- Check this link for the list of eligible airport lounges outside India for Tata Neu Infinity HDFC Bank Rupay credit card
Key Benefits: All-round Convenience
Apart from the attractive rewards and airport lounge access, the Tata Neu Infinity credit card comes with a Fuel Surcharge Waiver of 1% for transactions between Rs 400 and Rs 5000, with a maximum waiver of Rs 500 per statement. The Foreign Currency Markup stands at 2%+GST.
Final Thoughts: A Winning Choice
The Tata Neu Infinity HDFC Bank credit card is undoubtedly a top-notch option, especially for those who frequently spend with Tata Neu and partner brands. With its impressive reward rates, airport lounge access, and attractive benefits, it’s a fantastic addition to your wallet. Whether you’re shopping online, paying utility bills, or traveling internationally, this card has you covered. So, don’t miss out on the opportunity to own this gem of a credit card and reap the rewards it offers.