M16S / HDFC Bank / HDFC Tata Neu Infinity Credit Card
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HDFC Tata Neu Infinity Credit Card
The HDFC Tata Neu Infinity Credit Card costs Rs 1,499 a year, waived if you spend Rs 3,00,000 in a year. Its base return is 1.5%. The forex markup is 2%. Read from the issuer's documents and an aggregator on 31 Oct 2026.
- Annual fee
- Rs 1,499+ GST
- Fee waived at
- Rs 3,00,000annual spend
- Base return
- 1.5%
- Forex markup
- 2%
- Interest
- 3.75%a month
What changed on this card
- HDFC updates CIBIL within 15 days of overdue payment, Oct 2026
HDFC Bank's card terms dated 31 October 2026 cut the time to update CIBIL after an overdue payment from 30 days to 15, and drop the Rs 99 redemption fee for Tata Neu Infinity and Plus.
- Tata Neu HDFC cards: NeuCoins must be claimed in app from 25 Nov 2026
From 25 November 2026, NeuCoins earned on Tata Neu HDFC Bank credit cards stop landing automatically. The primary cardholder claims them in the Tata Neu app within 12 months.
- HDFC Bank adds 1.75% markup on INR spends at overseas merchants, May 2026
From 15 May 2026, a markup fee of 1.75% applies on all transactions in Indian currency at an international location, or at merchants located in India but registered overseas. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Tata Neu Infinity ends NeuCoins on monthly EMI billing, Nov 2025
From 17 November 2025, NeuCoins are no longer given on the monthly billing of EMI principal. For loans opened from 17 September 2025, NeuCoins on eligible merchant category codes are credited on settlement of the purchase. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank adds 1% fee on wallet loads and gaming above Rs 10,000, Jul 2025
A 1% fee applies on wallet loading (excluding PayZapp) and on online skill-based gaming spends above Rs 10,000 in a calendar month. Each fee is capped at Rs 4,999 per month. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Tata Neu Infinity stops NeuCoins on online skill-based gaming, Jul 2025
Online skill-based gaming transactions (MCC 5816) no longer earn NeuCoins from 1 July 2025. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank charges 1% on rent payments, capped at Rs 4,999, from Jul 2025
A 1% fee on the transaction amount applies on rental transactions on any applicable merchant. The fee is capped at Rs 4,999 per transaction. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Tata Neu cards move domestic lounge access to quarterly spend vouchers, Jun 2025
From 10 June 2025, direct swipe lounge access ended. Tata Neu Plus gets 1 domestic lounge voucher and Tata Neu Infinity gets 2 on spending Rs 50,000 or more in a calendar quarter. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Tata Neu Infinity stops NeuCoins on third-party education payments, Sep 2024
Education payments made through third-party apps like CRED, Cheq and MobiKwik no longer earn NeuCoins. Payments made directly on college or school websites or their POS machines still earn NeuCoins. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Tata Neu Infinity resets UPI NeuCoins to 0.5% plus 1% on Neu UPI ID, Aug 2024
From 1 August 2024, eligible UPI spends earn 0.5% NeuCoins on any UPI ID, plus an extra 1% on the Tata Neu UPI ID. UPI NeuCoins stay capped at 500 a month. The card's T&C table lists the earlier UPI rate as 1.5%. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
- HDFC Bank sets late payment fee slabs on credit cards from Aug 2024
Late payment charges by statement amount: nil up to Rs 100, Rs 100 for Rs 101 to 500, Rs 500 for Rs 501 to 1,000, Rs 600 for Rs 1,001 to 5,000, Rs 750 for Rs 5,001 to 10,000, Rs 900 for Rs 10,001 to 25,000, Rs 1,100 for Rs 25,001 to 50,000 and Rs 1,300 above Rs 50,000. Infinia (Metal Edition) is excluded. Source: HDFC Bank, hdfc.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 1,499 |
|---|---|
| Annual fee | Rs 1,499 |
| Annual spend that waives the fee | Rs 3,00,000 |
| Fee notes | Joining/renewal fee Rs 1,499 + taxes; joining fee billed on the 120th day after issuance; renewal fee waived on Rs 3 lakh annual spend (HDFC page). |
Rewards
| Welcome benefit | 1,499 NeuCoins on the first transaction within 30 days of issuance, claimed in the Tata Neu app; not for lifetime-free or first-year-free cards |
|---|---|
| Reward currency | NeuCoins |
| Base earn | 1.5% NeuCoins on non-Tata brand spends and merchant EMI spends (non-UPI) |
| Base return | 1.5% |
| Point value | 1 NeuCoin = Re 1 on Tata Neu and Tata brands |
| Accelerated earn | 5% NeuCoins on non-EMI spends on Tata Neu and partner Tata brands; extra 5% on selected Tata Neu categories after NeuPass registration (not on Tata Pay bill payments, Tanishq, Cult.fit, Air India, Tata Play); UPI: 0.5% from the bank plus 1% more when paying with a Tata Neu UPI ID |
| Caps | UPI NeuCoins capped at 500 per calendar month; grocery 2,000/month; utility 2,000, telecom and cable 2,000, insurance 2,000 per month (page); max 50,000 NeuCoins per statement cycle (MITC) |
| Spends that earn nothing | Fuel, wallet, rent, government, online gaming; education paid via third-party apps (page); cash withdrawals, SmartEMI (MITC and aggregator) |
| Points expiry | 12 months from the end of the month in which NeuCoins are credited to the Tata Neu account (from 1 Aug 2025); welcome NeuCoins valid 365 days from claim |
| Reward notes | NeuCoins can be spent only inside the Tata ecosystem. Base return = 1.5% x Re 1. |
Travel and perks
| Domestic lounge | Up to 8 per calendar year: 2 lounge vouchers per calendar quarter, spend-based (Visa and RuPay) |
|---|---|
| International lounge | 4 per calendar year (1 per quarter) outside India: Priority Pass on Visa (issued on request), card swipe on RuPay |
| Lounge conditions | Domestic vouchers unlock on Rs 50,000 or more spend in a calendar quarter (from 10 Jun 2025); claim within 120 days, use within 180 days. Priority Pass visits beyond quota and all guest visits USD 27 + GST; RuPay swipe fee of USD 3.25 is reversed. |
| Forex markup | 2% |
| Fuel surcharge waiver | 1% on txns Rs 400-5,000, cap Rs 500 per statement cycle (MITC) |
| Other freebies | Air accident cover Rs 1 crore, overseas hospitalisation Rs 15 lakh, lost card liability Rs 9 lakh; up to 50 interest-free days |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding balance: up to Rs 100 nil; 101-500 Rs 100; 501-1,000 Rs 500; 1,001-5,000 Rs 600; 5,001-10,000 Rs 750; 10,001-25,000 Rs 900; 25,001-50,000 Rs 1,100; above 50,000 Rs 1,300 (MITC) |
| Cash advance fee | 2.5% of amount, min Rs 500 |
| Eligibility | Salaried: age 21-60, income Rs 1,00,000/month; self-employed: age 21-65, ITR above Rs 12 lakh |
| Fine-print notes | Rewards are locked to Tata brands. UPI earn is capped at 500 NeuCoins a month. Issuer product page read 2026-10-12. Forex markup is not stated on the page. Conflicts (issuer page used): lounge_conditions: old 'Rs 50,000 spend in the previous quarter' (cardinsider) vs page 'Rs 50,000 or more in a calendar quarter', delivered as vouchers. Bank-wide charges per MITC: 1% fee on rent payments (cap Rs 4,999/txn); 1% on utility spends above Rs 50,000/month (Rs 75,000 on business cards); 1% on wallet loads above Rs 10,000/month (PayZapp exempt); 1% on fuel spends above Rs 15,000/month (Rs 30,000 business); 1% on online skill gaming above Rs 10,000/month; 1% on education paid via third-party apps; 1% + GST on railway tickets; 1.75% markup on INR transactions at overseas merchants from 15 May 2026. Points lapse if the card is unused for 365 days. |
Questions
- What is the annual fee of the HDFC Tata Neu Infinity Credit Card?
- Rs 1,499 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
- Does the HDFC Tata Neu Infinity Credit Card give airport lounge access?
- Yes. In India: Up to 8 per calendar year: 2 lounge vouchers per calendar quarter, spend-based (Visa and RuPay). Outside India: 4 per calendar year (1 per quarter) outside India: Priority Pass on Visa (issued on request), card swipe on RuPay. Conditions: Domestic vouchers unlock on Rs 50,000 or more spend in a calendar quarter (from 10 Jun 2025); claim within 120 days, use within 180 days. Priority Pass visits beyond quota and all guest visits USD 27 + GST; RuPay swipe fee of USD 3.25 is reversed.
- What is the forex markup on the HDFC Tata Neu Infinity Credit Card?
- 2% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the HDFC Tata Neu Infinity Credit Card?
- Fuel, wallet, rent, government, online gaming; education paid via third-party apps (page); cash withdrawals, SmartEMI (MITC and aggregator)