HDFC BankRuPayTata Neu Infinity Credit Card
4.4NeoFinQ editorial rating
Premium Tata card with 10% NeuCoins + UPI cashback
- Up to 10% on Tata brands
- 1.5% on UPI via RuPay
- 8 domestic lounge visits
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
- Reward type
- points
- Best for
- UPI
- Est. rewards
- ₹22,000/yr
Our verdict
Premium Tata card with excellent lounge access and UPI rewards.
Perfect for
- Tata ecosystem users
- UPI spenders
Not ideal for
- Non-Tata shoppers
Pros & cons
- Up to 10% on Tata brands
- 1.5% on UPI via RuPay
- 8 domestic lounge visits
- Rewards best within Tata ecosystem
Rewards
5% NeuCoins on Tata Neu/Partner brands, 1.5% on Non-Tata brands, 1.5% on UPI spends. Additional 5% via NeuPass. Effective August 1, 2023, UPI spends earn 1.5% NeuCoins capped at 500 per calendar month; effective Sept 2024, certain utility and telecom spends have lower caps.
| Category | Earn rate |
|---|---|
| Shopping | 5% |
| Travel | 5% |
| Groceries | 5% |
| Online Shopping | 5% |
Welcome offer
1,499 NeuCoins after first transaction within 30 days
Benefits
Airport lounge
- 4 domestic lounge visits/yr
Travel
- 8 complimentary domestic lounge visits per year (2 per quarter) and 4 complimentary international lounge visits per year via Priority Pass (subject to spending ₹1 Lakh or more in a calendar quarter for domestic)
More benefits
- Welcome Bonus: 1,499 NeuCoins after first transaction within 30 days
- Milestone: Additional 5% on Tata brands via NeuPass
- Additional Benefits: Low forex markup 2%
Fees & charges
| Joining fee | ₹1,499 |
| Annual fee | ₹1,499 |
| Renewal fee | ₹1,499 |
| Fee waiver | Waived on ₹3 lakh annual spend |
| Waiver threshold | Spend ₹3L/yr |
Eligibility
Min. income (annual)
₹12L
Employment
Salaried / Self Employed
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Annual fee ₹1,499