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.
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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
8 domestic visits/year · 4 international/year
Who it's for
Minimum income ₹50,000/month · credit score 730+. For salaried, self-employed.
What's great
- RuPay UPI linkage — earn on UPI
- Strong for Tata ecosystem users
- Lounge access included
Watch out for
- 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.