Annual fee₹1,499+ GST
Forex markup2%
Interest3.75%a month
NetworkVisa / RuPay
You earn
Perks & rules
What changed
17 Nov 2025No more NeuCoins on monthly EMI principal for SmartEMI and off-us merchant EMI
1 Aug 2025NeuCoins now expire after 12 months
10 Jun 2025Domestic lounge became spend-based (₹50,000 a quarter)
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asNeuCoins (Tata Neu reward points)
Base rate1.5% on non-Tata brands and merchant EMI
Higher rates
- Tata Neu and partner Tata brands: 5% on Tata brands (non-EMI): 1.5% base + 3.5% extra
- Tata Neu app, NeuPass: Extra 5% on selected Tata Neu app categories with NeuPass (Tata Neu offer)
- UPI: UPI on RuPay card: 0.5% (any UPI app), +1% with Tata Neu UPI ID
Limits
- UPI: up to 500 NeuCoins a month
- Grocery, insurance, utility, telecom: up to 2,000 NeuCoins a month each
- Up to 50,000 points per statement cycle
- Rounded down to whole NeuCoins
Doesn't earn on
- Fuel, wallet loads, gift/prepaid cards, vouchers, cash, card fees, SmartEMI/Dial-an-EMI, rent, government
- Education via third-party apps
- Online skill-based gaming
- Tata brand purchases paid by UPI don't get the extra 3.5%
Where it landsPosted to your card account when the transaction settles (up to 5 working days), then moved to your Tata Neu account within 7 working days of the statement
What a point is worth
Value1 NeuCoin = ₹1, usable only on eligible purchases at Tata Neu brands
Expiry12 months from the end of the month they reach your Tata Neu account
Redemption feeNone stated
Welcome benefit
Welcome1,499 NeuCoins on first transaction within 30 days, claimed in the Tata Neu app (not for free cards)
Milestones
MilestonesNone stated
Airport lounges
Domestic2 lounge vouchers a quarter (up to 8 a year) on ₹50,000 spend in the quarter
International4 a year (1 a quarter); Visa via Priority Pass on request
Fuel
Fuel1% surcharge waiver on ₹400–₹5,000 transactions, up to ₹500 a statement cycle
Spending abroad
Forex markup2%
Fees
Joining fee₹1,499 + GST
Annual fee₹1,499 + GST
Fee waiverSpend ₹3 lakh in the year
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil up to ₹100)
Interest3.75% a month (45% a year)
Cash withdrawal2.5% or ₹500, whichever is higher
Who can apply
Age21–60 (salaried), 21–65 (self-employed)
SalariedMonthly income ₹1 lakh
Self-employedITR above ₹12 lakh a year
More perks
PerksNone stated
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Tata Neu Infinity product page Product page · 2 Oct 2026
- Tata Neu Infinity Card T&C Card T&C · 3 Jan 2026
- HDFC Bank Key Fact Statement & MITC (v4.12) Fee schedule · 30 Sep 2026
Card image: HDFC Bank's own website.
