How much cashback does the Tata Neu Infinity HDFC Bank Credit Card give?

The headline rate is 10% back as NeuCoins on the Tata Neu app/website. This includes a 5% base earning and an and similar spends. Everything else earns 5% back, so ₹10,000 of general spend gives you ₹500 a month. Fuel, Wallet loads, Gift or Prepaid Card load, Voucher purchase earn nothing at all.

Does the Tata Neu Infinity HDFC Bank Credit Card give free airport lounge access?

The Tata Neu Infinity HDFC Bank Credit Card gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 4 a year. Access is not automatic any more, because you need ₹50,000 of spend in the previous quarter before the visits become available, which is ₹16,667 a month.

What changed on the Tata Neu Infinity HDFC Bank Credit Card recently and is it still worth it in 2026?

UPI 1.5%→0.5% (Aug 2024); utility/telecom caps; spend-based lounge (Jun 2025); 12-month NeuCoin expiry (Aug 2025). The changes are dated Aug 2024-Aug 2025. At ₹3L of yearly spend the card returns roughly ₹4,500 at its general rate of about 1.5%, against a ₹1,499 renewal fee. Keep it if you clear the ₹3L waiver spend and your spending really sits in the accelerated category. Drop it at renewal if you do not.

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Card Details

4938 2254 9197 7839

Tata Neu Infinity HDFC Bank Credit Card

HDFCVISA, RUPAY

Monzy Score

7.5/ 10

Very good for online shoppers.

Strong ~5% back in its core category.

Card Issuer

HDFC Bank

Joining Fee

₹1,499

Annual Fee

₹1,499

Reward Type

—

Card Access

Standard

Earn Points

On Qmin & Tata Neu App

At Taj Hotels & Partner Tata Brands

On Air India, Aix Connect Bookings

At Croma, Westside, Titan, Tanishq Etc.

Benefits

Lounges

4 International Lounge Visits/Year

8 Domestic Lounge Visits/Year

Shopping

1.5% Neucoins on Non-tata Spends

1.5% Neucoins on Upi Payments

Insurance

1.5% Cashback Insurance

Dining

1.5% Neucoins on Restaurant Bills

Flights

5% Neucoins on Airasia India

Fuel

1% Fuel Surcharge Waiver All Stations

Groceries

5% Neucoins on Tata 1Mg

Hotels

5% Neucoins at Ihcl Hotels (Taj, Vivanta+)

Concierge

24/7 Global Personal Concierge

Utilities

Link to Upi Apps

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, government, online gaming

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Tata Neu app & partner Tata brands

5% NeuCoins

₹1,500

Select categories via Tata Neu app (booster)

situational +5%

₹0

UPI spends (RuPay)

cap 500/mo

₹0

All other / merchant-EMI spends

Grocery2000; overall 50000 NeuCoins/cycle

₹0

Total Annual Return

₹18,000

5% Effective ROI

What Users Are Saying

Community Feed

Dec 2025

Tata Neu Infinity HDFC BankNEUTRAL

“Tata Neu Infinity HDFC Card – The “1.5% on UPI” that”

by r/CreditCardsIndia, Dec 2025

Tata Neu Infinity HDFC BankNEUTRAL

“Tata Neu Infinity HDFC Bank Credit Card - Game Changer”

by r/CreditCardsIndia, Jul 2025

Tata Neu Infinity HDFC BankPOSITIVE

“Is Tata neu infinity HDFC credit card worth it?”

by r/CreditCardsIndia, Jul 2023

Tata Neu Infinity HDFC BankNEUTRAL

“Tata Neu Infinity Guide”

by r/CreditCardsIndia, Jan 2026

Tata Neu Infinity HDFC BankNEUTRAL

“Infinia Metal vs TATA Neu Infinity”

by r/CreditCardsIndia, Jul 2025

Frequently Asked Questions

The Tata Neu Infinity HDFC Bank Credit Card charges ₹1,499 plus GST as a joining fee and the same ₹1,499 again at renewal. HDFC Bank waives the renewal fee if you spend ₹3L in the previous year, which is about ₹25,000 a month. If your card spend sits below that, treat ₹1,499 as a real yearly cost that your rewards have to clear first.

Things to Keep in Mind

The 5% reward rate is only applicable on non-EMI spends on the Tata Neu app/website.

The welcome bonus of 1499 NeuCoins is a reversal of the joining fee, not a waiver, and is conditional on making a transaction within 30 days and claiming it within 60 days.

UPI rewards are limited at 500 NeuCoins per month.

←

Card Details

4938 2254 9197 7839

Tata Neu Infinity HDFC Bank Credit Card

HDFCVISA, RUPAY

Monzy Score

7.5/ 10

Very good for online shoppers.

Strong ~5% back in its core category.

Card Issuer

HDFC Bank

Joining Fee

₹1,499

Annual Fee

₹1,499

Reward Type

—

Card Access

Standard

Earn Points

On Qmin & Tata Neu App

At Taj Hotels & Partner Tata Brands

On Air India, Aix Connect Bookings

At Croma, Westside, Titan, Tanishq Etc.

Benefits

Lounges

4 International Lounge Visits/Year

8 Domestic Lounge Visits/Year

Shopping

1.5% Neucoins on Non-tata Spends

1.5% Neucoins on Upi Payments

Insurance

1.5% Cashback Insurance

Dining

1.5% Neucoins on Restaurant Bills

Flights

5% Neucoins on Airasia India

Fuel

1% Fuel Surcharge Waiver All Stations

Groceries

5% Neucoins on Tata 1Mg

Hotels

5% Neucoins at Ihcl Hotels (Taj, Vivanta+)

Concierge

24/7 Global Personal Concierge

Utilities

Link to Upi Apps

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, government, online gaming

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Tata Neu app & partner Tata brands

5% NeuCoins

₹1,500

Select categories via Tata Neu app (booster)

situational +5%

₹0

UPI spends (RuPay)

cap 500/mo

₹0

All other / merchant-EMI spends

Grocery2000; overall 50000 NeuCoins/cycle

₹0

Total Annual Return

₹18,000

5% Effective ROI

What Users Are Saying

Community Feed

Dec 2025

Tata Neu Infinity HDFC BankNEUTRAL

“Tata Neu Infinity HDFC Card – The “1.5% on UPI” that”

by r/CreditCardsIndia, Dec 2025

Tata Neu Infinity HDFC BankNEUTRAL

“Tata Neu Infinity HDFC Bank Credit Card - Game Changer”

by r/CreditCardsIndia, Jul 2025

Tata Neu Infinity HDFC BankPOSITIVE

“Is Tata neu infinity HDFC credit card worth it?”

by r/CreditCardsIndia, Jul 2023

Tata Neu Infinity HDFC BankNEUTRAL

“Tata Neu Infinity Guide”

by r/CreditCardsIndia, Jan 2026

Tata Neu Infinity HDFC BankNEUTRAL

“Infinia Metal vs TATA Neu Infinity”

by r/CreditCardsIndia, Jul 2025

Frequently Asked Questions

Things to Keep in Mind

The 5% reward rate is only applicable on non-EMI spends on the Tata Neu app/website.

The welcome bonus of 1499 NeuCoins is a reversal of the joining fee, not a waiver, and is conditional on making a transaction within 30 days and claiming it within 60 days.

UPI rewards are limited at 500 NeuCoins per month.

←

Card Details

4938 2254 9197 7839

Tata Neu Infinity HDFC Bank Credit Card

HDFCVISA, RUPAY

Monzy Score

7.5/ 10

Very good for online shoppers.

Strong ~5% back in its core category.

Card Issuer

HDFC Bank

Joining Fee

₹1,499

Annual Fee

₹1,499

Reward Type

—

Card Access

Standard

Earn Points

On Qmin & Tata Neu App

At Taj Hotels & Partner Tata Brands

On Air India, Aix Connect Bookings

At Croma, Westside, Titan, Tanishq Etc.

Benefits

Lounges

4 International Lounge Visits/Year

8 Domestic Lounge Visits/Year

Shopping

1.5% Neucoins on Non-tata Spends

1.5% Neucoins on Upi Payments

Insurance

1.5% Cashback Insurance

Dining

1.5% Neucoins on Restaurant Bills

Flights

5% Neucoins on Airasia India

Fuel

1% Fuel Surcharge Waiver All Stations

Groceries

5% Neucoins on Tata 1Mg

Hotels

5% Neucoins at Ihcl Hotels (Taj, Vivanta+)

Concierge

24/7 Global Personal Concierge

Utilities

Link to Upi Apps

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, wallet, rent, government, online gaming

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Tata Neu app & partner Tata brands

5% NeuCoins

₹1,500

Select categories via Tata Neu app (booster)

situational +5%

₹0

UPI spends (RuPay)

cap 500/mo

₹0

All other / merchant-EMI spends

Grocery2000; overall 50000 NeuCoins/cycle

₹0

Total Annual Return

₹18,000

5% Effective ROI

What Users Are Saying

Community Feed

Dec 2025

Tata Neu Infinity HDFC BankNEUTRAL

“Tata Neu Infinity HDFC Card – The “1.5% on UPI” that”

by r/CreditCardsIndia, Dec 2025

Tata Neu Infinity HDFC BankNEUTRAL

“Tata Neu Infinity HDFC Bank Credit Card - Game Changer”

by r/CreditCardsIndia, Jul 2025

Tata Neu Infinity HDFC BankPOSITIVE

“Is Tata neu infinity HDFC credit card worth it?”

by r/CreditCardsIndia, Jul 2023

Tata Neu Infinity HDFC BankNEUTRAL

“Tata Neu Infinity Guide”

by r/CreditCardsIndia, Jan 2026

Tata Neu Infinity HDFC BankNEUTRAL

“Infinia Metal vs TATA Neu Infinity”

by r/CreditCardsIndia, Jul 2025

Frequently Asked Questions

Things to Keep in Mind

The 5% reward rate is only applicable on non-EMI spends on the Tata Neu app/website.

The welcome bonus of 1499 NeuCoins is a reversal of the joining fee, not a waiver, and is conditional on making a transaction within 30 days and claiming it within 60 days.

UPI rewards are limited at 500 NeuCoins per month.