Tata Neu Infinity HDFC
RuPay · Visa
Tata Neu Infinity HDFC
HDFC Bank · RuPay · Visa
Quick answer
Tata Neu Infinity HDFC by HDFC Bank has an annual fee of ₹1,499 and APR of 43%. Best for shopping and groceries. Pay the full bill every month — carried balances cost far more than any reward.
Opens the issuer's site. MoneyRadar has no paid placement here.
Joining fee
₹1,499
Annual fee
₹1,499
Forex markup
2%
APR
43%/yr
Fee waiver: Annual fee waived on ₹3L spend a year
What you earn
- 5%5% NeuCoins on Tata brands (BigBasket, Croma, etc.)
- 2%1.5% on UPI spends via RuPay
- 2%on general spends
Welcome: Bonus NeuCoins on activation
Lounge access
Up to 8 domestic visits/year · 4 international/year
Unlock rule: Domestic: 2 vouchers after ₹50k spend in a calendar quarter; international access is capped at 1/quarter.
Who it's for
Minimum income ₹50,000/month · credit score 730+. For salaried, self-employed.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
What's great
- RuPay UPI linkage — earn on UPI
- Strong for Tata ecosystem users
- Lounge access included
Watch out for
- Domestic lounges need ₹50k quarterly spend
- Rewards as NeuCoins
- Best value inside Tata brands
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 43% a year, carried balances cost far more than any reward here is worth.