HDFC Bank
Tata Neu HDFC Bank Credit Cards (Plus & Infinity)
Up to 5% NeuCoins on Tata brands — pick Plus or Infinity
Joining fee₹499 + GST
Annual fee₹499 + GST
NetworkRuPay / Visa
Forex markup3.5%
LoungeYes
Best forEveryday spends
Details checked October 2026 · Plus ₹499 + GST; Infinity ₹1,499 + GST
01Variants
| Variant | Fee | Key difference |
|---|---|---|
| Tata Neu Plus | ₹499 + GST | 2% on Tata brands, 1% elsewhere, waived at ₹1 lakh |
| Tata Neu Infinity | ₹1,499 + GST | 5% on Tata brands, 1.5% elsewhere, 2% forex, waived at ₹3 lakh |
02Rewards
| Tata Neu, BigBasket, Croma, Tata CLiQ, 1mg | Plus 2% · Infinity 5% NeuCoins (plus up to 5% more via NeuPass on select categories) |
| Other spends | Plus 1% · Infinity 1.5% (groceries, utilities & insurance have monthly caps) |
| UPI (RuPay variant, via Tata Neu UPI ID) | Plus 1% · Infinity 1.5% — capped at 500 NeuCoins/month (0.25% / 0.5% on other UPI apps) |
Redemption: 1 NeuCoin = ₹1, usable only inside the Tata ecosystem. Coins expire 12 months after the credit month.
03Fees, benefits & charges
- Fee waiver
- Plus: renewal waived on ₹1 lakh annual spend. Infinity: waived on ₹3 lakh.
- Welcome benefit
- Plus: 499 NeuCoins. Infinity: 1,499 NeuCoins — on first transaction within 30 days.
- Airport lounges
- Plus: 4 domestic visits a year · Infinity: 8 domestic + 4 international (domestic visits need ₹50,000 quarterly spend)
- Forex markup
- 3.5% on Plus · 2% on Infinity
- Fuel
- 1% surcharge waiver (Plus up to ₹250, Infinity up to ₹500)
- No rewards on
- Fuel, rent, wallet loads, government & tax, gift cards, gaming, EMI
04Highlights & watch-outs
Highlights
- Two fee levels — start with Plus, upgrade to Infinity
- RuPay variants earn on UPI
- Strong returns on BigBasket, Croma and Tata CLiQ
Watch out for
- NeuCoins only spendable on Tata apps
- Lounge access is spend-linked
- 1.75% DCC fee on INR-billed foreign merchants
Suits: Households that shop on BigBasket, Croma or Tata CLiQ.
05FAQs
What is the annual fee of the Tata Neu HDFC Bank Credit Cards (Plus & Infinity)?
The annual fee is ₹499 + GST, and the joining fee is ₹499 + GST. Plus: renewal waived on ₹1 lakh annual spend. Infinity: waived on ₹3 lakh.
Does the Tata Neu HDFC Bank Credit Cards (Plus & Infinity) offer airport lounge access?
Plus: 4 domestic visits a year · Infinity: 8 domestic + 4 international (domestic visits need ₹50,000 quarterly spend)
What is the forex markup on the Tata Neu HDFC Bank Credit Cards (Plus & Infinity)?
The foreign currency markup is 3.5% on Plus · 2% on Infinity.
Which spends don’t earn rewards on the Tata Neu HDFC Bank Credit Cards (Plus & Infinity)?
Fuel, rent, wallet loads, government & tax, gift cards, gaming, EMI.
ⓘBefore you apply: fees and rewards above were checked in October 2026 from issuer pages and public sources. Banks can change terms at any time — the issuer’s application page is the final word. Approval depends on the bank’s own checks.
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