Tata Neu Infinity HDFC Bank Credit Card
HDFC Bank
Strong lounge access at a mid-tier fee — the standout is no spend-gating on the lounge benefit.
₹1,499
Joining fee
₹1,499, waived at ₹3L spend
Annual fee
Automatic waiver on Rs 3 lakh annual spend (Rs 1,499 fee).
3.5%
Forex markup
4.2 / 5
Rating
Eligibility
Estimated minimum income: ₹1,00,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 720+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried min net monthly income Rs 1 lakh; self-employed annual ITR exceeding Rs 12 lakh; CIBIL not found.
Lounge access
Per Year: 8
Condition: Rs 50,000 spend in the previous quarter
Per Quarter: 2
Per Year: 4
Per Quarter: 1
Key features
- 5% NeuCoins on Tata Neu/partner brands
- 1.5% elsewhere
- Complimentary domestic + international lounge access, no quarterly spend condition stated
Reward details
1.5% NeuCoins on non-Tata brand purchases and merchant EMI
- 5% NeuCoins (10% total if purchased via the Tata Neu App/website) on Non-EMI Tata Neu/partner-brand purchases
- 1.5% on UPI transactions (RuPay variant only) — 500 points/month
Welcome bonus: 1,499 NeuCoins, offsetting the joining fee for first-year cardholders
Redemption
NeuCoins expire 1 year from accrual
Ratio: 1 NeuCoin = Rs 1
Excluded from rewards: fuel, rent, government payments, vouchers, wallet loads, cash advances, bill payments
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- The 1,499-NeuCoin welcome bonus seen as good value; lounge access considered attractive relative to the annual fee charged — CardInsider user quotes
Complaints
- Rs 1,499 + GST + IGST annual fee combined with a Rs 3 lakh waiver threshold was called 'abnormal high' by one user, who suggested a lower fee (~Rs 500) with a lower waiver threshold (~Rs 1.5 lakh) would be fairer — CardInsider user quotes
- 'Every 3rd person's account is getting restricted (even if genuine) if u r buying more on tata neu app,' with points and benefits blocked as a result; another user noted rewards 'has been reduced' compared to earlier terms, suggesting a devaluation; NeuCoins' 1-year expiry cited as limiting redemption flexibility — CardInsider user quotes
Sources
- Aggregator — fees, eligibility, forex, lounge, rewards
- Aggregator — sentiment