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Tata Neu Infinity HDFC Bank Card
The Tata Neu Infinity card is built around the Tata retail ecosystem — BigBasket, Croma, Tata 1mg, Tata CLiQ, Westside and Titan — where it earns up to 5% back as NeuCoins, plus a flat 5% on utility bill payments regardless of merchant. NeuCoins redeem 1:1 for rupees inside the Tata Neu app, so there's none of the confusing point-value math common to airline or hotel programs, and the card also carries lounge access and sizable air-accident insurance for a mid-tier annual fee.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
cashback
Base reward rate
1.5%
Card network
RuPay
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 730+ whose spend is concentrated in online shopping, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1.5% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per calendar quarter (up to 8/year), unlocked after ₹50,000 of spend in that calendar quarter
- International lounge access: 4 complimentary international lounge visits a year through a Priority Pass membership
Benefits by category
- ✈️ Travel
Complimentary domestic lounge access, unlocked only after ₹50,000 of spend in the preceding quarter, plus 4 international lounge visits a year through a Priority Pass membership
- 🛡️ Insurance
₹1 crore accidental air death/disability cover and ₹15 lakh emergency hospitalization cover, active as long as the card is used for at least one transaction before the covered event
- 🛍️ Shopping
5% reward rate
- 🧾 Utilities
5% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at any fuel station in India, capped at ₹250 of waiver value per statement cycle
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 730
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 2%
- Interest rate: 41.88% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹1,00,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal
Benefits
- Complimentary domestic lounge access, unlocked only after ₹50,000 of spend in the preceding quarter, plus 4 international lounge visits a year through a Priority Pass membership
- ₹1 crore accidental air death/disability cover and ₹15 lakh emergency hospitalization cover, active as long as the card is used for at least one transaction before the covered event
- 1% fuel surcharge waiver on transactions between ₹400 and ₹5,000 at any fuel station in India, capped at ₹250 of waiver value per statement cycle
Pros
- + Up to 5% NeuCoin cashback across a wide Tata retail ecosystem spanning groceries, electronics, pharmacy, fashion and travel
- + Flat 5% back on utility bill payments, a category most cards reward poorly or not at all
- + NeuCoins redeem 1:1 for rupees with no tiered conversion table to decode
- + ₹1 crore air-accident cover and ₹15 lakh hospitalization cover add real insurance value for a mid-tier card
- + International lounge access via Priority Pass is a rare perk at this fee level
Cons
- − The richest rewards are concentrated in Tata-owned brands — value drops sharply for shoppers outside that ecosystem
- − Domestic lounge access requires ₹50,000 of spend in the prior quarter, so it isn't available from day one
- − RuPay-only network limits use on some international and non-UPI-linked checkout flows
Best for
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