HDFC Tata Neu Infinity RuPay Credit Card

he HDFC Tata Neu Infinity RuPay Credit Card serves as an ideal choice for individuals whose spending aligns predominantly with the Tata ecosystem, including frequent shoppers at BigBasket for groceries, Westside and Croma for lifestyle products, Air India for travel, Tata CLiQ for online shopping, and Tanishq for jewellery. The RuPay variant particularly distinguishes itself through UPI transaction rewards, enabling cardholders to earn NeuCoins on everyday digital payments. With a potential reward rate reaching up to 10% on select Tata Neu purchases and comprehensive insurance coverage, this card proves especially valuable for those seeking to consolidate their spending within the extensive Tata brand portfolio whilst maximising returns on both online and offline transactions. 

Overview 

• Dual Variant Availability: The card is offered in both Visa and RuPay variants, with the RuPay version providing the additional advantage of earning rewards on UPI transactions through linked payment applications. 

• Wide Partner Network: NeuCoins can be earned and redeemed across an extensive range of Tata partner brands including Air India, Air India Express, BigBasket, Croma, Tata CLiQ, IHCL (Taj group of hotels), Westside, Qmin, Tata Play, Titan, Tanishq, Tata 1MG, and Cult.fit. 

• Contactless Payment Enabled: The card features contactless payment technology, allowing fast and secure transactions up to ₹5,000 without entering a PIN, whilst amounts above this threshold require PIN authentication for security. 

• Comprehensive Insurance: Cardholders benefit from substantial insurance coverage including ₹1 crore accidental air death cover, emergency overseas hospitalisation coverage up to ₹15 lakh, and lost card liability protection up to ₹9 lakh. 

• Digital Management: The card can be managed conveniently through HDFC Bank NetBanking, MobileApp, or MyCard App, enabling users to track spending, monitor NeuCoins, view statements, and make payments seamlessly. 

• Revolving Credit Facility: The card provides revolving credit at a nominal interest rate per month, offering financial flexibility for managing larger purchases over time. 

Rewards and Benefits 

Earning NeuCoins 

• 5% on Tata Neu and Partner Brands: Earn 5% back as NeuCoins (comprising 1.5% base NeuCoins plus 3.5% additional NeuCoins) on all non-EMI spends at Tata Neu and eligible partner Tata brands, providing substantial returns on ecosystem purchases. 

• Additional 5% via NeuPass: Registered NeuPass members receive an extra 5% back as NeuCoins on selected categories when shopping on the Tata Neu App/Website using the primary cardholder's mobile number account, potentially bringing total rewards to 10%. 

• 1.5% on Other Spends: Accumulate 1.5% back as NeuCoins on all other non-Tata brand spends and merchant EMI transactions, ensuring rewards across all eligible purchases. 

• 1.5% on UPI Transactions (RuPay Variant): The RuPay variant earns 1.5% back as NeuCoins on UPI spends, comprising 0.50% posted to the card account by the bank and an additional 1% on eligible UPI payments using Tata Neu UPI ID posted directly to the Tata Neu account. 

NeuCoins Capping and Restrictions 

• Grocery Transactions: NeuCoins earned on grocery spends are capped at 2,000 per calendar month. 

• Utility and Telecom: NeuCoins on utility transactions and telecom & cable payments are capped at 2,000 per calendar month each. 

• Excluded Transactions: NeuCoins are not earned on rental payments, government-related transactions, fuel spends, wallet loads, Smart EMI, card fee payments, cash advances, voucher purchases, or online skill-based gaming transactions. 

• Education Payments: Education fees paid directly through college/school websites or POS machines earn NeuCoins, but payments made through third-party apps like CRED, Cheq, or MobiKwik do not qualify. 

Redeeming NeuCoins 

• Tata Neu App/Website: NeuCoins can be redeemed for purchases across all partner brands on the Tata Neu platform, including Air India Express, BigBasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, IHCL hotel bookings, Tata 1MG, Qmin, Titan, and Tanishq. 

• Offline Redemption: Selected physical stores including Croma and Titan Eye+ accept NeuCoins redemption, providing flexibility for in-store purchases. 

• Gift Vouchers: Purchase gift vouchers from various brands on the Tata Neu app, including Amazon, earning 5% worth of NeuCoins on voucher purchases. 

• Redemption Value: 1 NeuCoin equals ₹1 across all partner brands, offering straightforward value without complex conversion calculations. 

• Statement Reflection: Monthly credit card statements display the breakup of NeuCoins accrued with the bank and NeuCoins transferred to Tata Neu during the statement cycle. 

NeuCoins Validity 

• Standard Validity: From 1st August 2025, NeuCoins earned have a validity of 12 months (including lock period) from the end of the month in which they are credited to the Tata Neu account. 

• Example: NeuCoins credited on 5th August 2025 remain valid until 31st August 2026; those credited on 31st August 2025 also expire on 31st August 2026. 

• Existing Balance: Non-promotional NeuCoins earned before 1st August 2025 have their validity set as 31st July 2026. 

Airport Lounge Access 

• Domestic Lounge Access: Lounge access has transitioned to a milestone-based benefit, earned through spending ₹50,000 or more in a calendar quarter, providing 2 complimentary domestic lounge vouchers per quarter (maximum 8 per calendar year). 

• Voucher Claiming Process: Upon qualification, cardholders receive SMS and email notifications with a link to claim lounge vouchers within 120 days, which can then be used at eligible lounges within 180 days of issuance. 

• International Lounge Access (RuPay Variant): RuPay cardholders can directly access international lounges 4 times per calendar year (1 per quarter). 

Fuel Surcharge Waiver 

• 1% Waiver: Receive a 1% fuel surcharge waiver at all fuel stations across India, helping reduce the cost of regular refuelling. 

• Transaction Range: The waiver applies to fuel purchases between ₹400 and ₹5,000, covering most standard transactions at petrol stations. 

• Maximum Benefit: The fuel surcharge waiver is capped at ₹500 per statement cycle, providing consistent monthly savings. 

Welcome Benefit 

• NeuCoins: New cardholders receive 1,499 NeuCoins (equivalent to the first year's membership fee) credited to their Tata Neu account upon completing the first transaction within 30 days of card issuance. 

• Claiming Window: The welcome benefit becomes available to claim inside the Tata Neu App within 60 days of the qualifying transaction, with the claim option remaining accessible for 180 days from the statement date. 

• NeuCoins Validity: Welcome benefit NeuCoins remain valid for 365 days from the claim date. 

Insurance Coverage 

• Accidental Air Death Cover: Comprehensive insurance coverage worth ₹1 crore in the unfortunate event of accidental death whilst travelling by air. 

• Emergency Overseas Hospitalisation: Coverage up to ₹15 lakh for emergency medical expenses incurred during international travel. 

• Lost Card Liability Cover: Protection of up to ₹9 lakh for fraudulent transactions made on a lost or stolen card before it is reported to the bank. 

• Zero Liability: Cardholders face zero liability on fraudulent transactions when the lost or stolen card is reported immediately to the 24-hour call centre. 

Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.