HDFC Bank
Tata Neu Infinity HDFC Bank Credit Card
4.3 / 5visa · rupay
- Joining fee
- ₹1,499
- Annual fee
- ₹1,499
- Base reward
- 1.5%
- Min income
- ₹1,00,000/mo
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Online shopping | 5% | Uncapped |
| UPI spends | 1.5% | ₹500 |
| Everything else | 1.5% | Uncapped |
Benefits
- ▸5% NeuCoins on Tata Neu and partner Tata brands
- ▸1.5% NeuCoins on non-Tata spends and merchant EMI
- ▸1.5% NeuCoins on UPI spends (RuPay variant, capped 500/mo)
- ▸8 complimentary domestic + 4 international lounge visits per year
- ▸Low forex on travel; 1% fuel surcharge waiver (max ₹500/cycle)
The good
- + 5% NeuCoins on the Tata ecosystem (BigBasket, Croma, Tata CLiQ, AirAsia/Air India, etc.)
- + 1.5% NeuCoins on UPI spends (RuPay variant)
- + Domestic + international lounge access
- + Low ₹1,499 fee with ₹3 lakh spend waiver
The catch
- − Best value tied to the Tata ecosystem
- − Lounge access gated on ₹50,000 quarterly spend
- − 3.5% foreign currency markup
- − Higher income eligibility (₹1 lakh/month salaried)